Credit, accounts receivable & collection
Short, practical articles to reduce unpaid invoices and improve your cash flow.
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Practical analysis for commercial creditors in Ontario.
Small Claims Court, Simplified Procedure, or Superior Court: choosing the right forum for your Ontario commercial claim
Ontario gives commercial creditors three practical forums for a civil claim: Small Claims Court up to $35,000, Simplified Procedure to $200,000, and the ordinary Superior Court above that. The right choice is not just a function of the dollar amount — it drives cost, timeline, and discovery scope.
Ontario construction liens: your 60-day preservation window (and why most claims die in it)
For contractors, subcontractors, and suppliers, the Construction Act gives Ontario one of the strongest debt-collection tools in Canadian commercial law — a lien on the property itself. But the preservation and perfection deadlines are strict, and once they lapse, the lien is gone forever.
Ontario's 2-year clock: don't let the Limitations Act quietly kill your commercial claim
Under Ontario's Limitations Act, 2002, you generally have two years from the day the claim was discovered to sue. Miss it, and a perfectly good debt becomes unenforceable. Here's how the clock actually works — and the wrinkles for demand obligations, partial payments, and acknowledgments.
The credit-application form: the cheapest cash-flow protection an Ontario business can build
A well-drafted credit-application form turns a handshake into a structured commercial relationship: reliable customer info, clear terms, consent, and personal guarantees where they matter. Under an hour of upfront work — and it makes every downstream collection dramatically easier.