Crédit, comptes recevables & recouvrement
Des articles courts et concrets pour réduire les impayés et améliorer votre cash‑flow.
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Analyses pratiques pour les créanciers commerciaux en Ontario.
$50,000, and you no longer get to choose: Ontario's forum rules for commercial debt
Small Claims Court's limit rose to $50,000 on 1 October 2025. The more important change came fifteen months earlier: since 1 July 2024, you cannot commence a Superior Court action that falls within Small Claims jurisdiction without leave of the court.
The email that saves the debt: how acknowledgment really works under section 13
An acknowledgment of debt restarts Ontario's two-year clock. But section 13 imposes four conditions most creditors have never read, and a near-miss on any one of them leaves you with a worthless email and an expired claim.
Seven days to object, or the invoice is proper: what changed in the Construction Act on 1 January 2026
Owners now have seven days to reject an invoice's form — after that it is deemed proper and the 28-day clock runs. Holdback must be released every year. And despite a great deal of commentary written in 2024 and 2025, lien rights do not expire annually.
“2% per month”: the four words that cut your interest to 5%
It is printed at the bottom of almost every invoice in Ontario. Without one more sentence beside it, section 4 of the federal Interest Act caps everything you can recover at 5% per year — and lets the debtor claw back what they already paid.
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.