Enforcement support & advocacy

Licit ADS reviews the file, confirms the deadline, and coordinates the response. Register to open a file. Everything else happens in your portal.

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No obligation until you sign written terms.

If you have been served
0days

A Statement of Defence in Ontario is generally due within 20 days of service. Register the day your documents arrive.

Now intakingMortgage enforcement files. Other debt types open in stages. You can register your interest while you sign up, and we will contact you when yours opens.
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Where people usually are

If any of this is your week, there is still a window.

Residential, commercial and leisure property. A lenders, B lenders and private lenders.

Behind, and nothing filed yet

Payments have been missed and you think enforcement is coming. This is the cheapest week to act.

Documents have arrived

A demand letter, a notice of sale or power of sale paperwork is in your hands.

Already in process

You have been served with a Statement of Claim, or a step is underway and a date is running.

The ground it stands on

This is not about refusing to pay.

It is about whether the mortgage agreement was written with the Consumer Protection Act in mind.

01

A mortgage is a contract

Signed between a lender and a borrower. In Ontario that puts it under the Consumer Protection Act, like any other consumer agreement.

02

The Act requires disclosure

Exact pricing, the total of every fee, and terms in plain words, before anyone signs. That is a right, not a courtesy.

03

Where it is missing, it can be raised

Disclosure can be put to the lender as part of a defence. Where a defence is accepted, enforcement steps may be paused while the matter proceeds.

Whether the point is available on your mortgage is assessed on your own documents, and nothing here is legal advice.

01

Review the file

Documents, service date and deadline.

02

Respond to process

Coordinated through the appropriate counsel channel, inside the deadline.

03

Support what comes next

Time to assess settlement, refinance, sale or credit correction.

What Licit ADS does
  • Reviews the file and confirms the deadline before anything else
  • Coordinates the response through the appropriate counsel channel
  • Keeps documents, status and messages in one portal
  • Sets out scope and pricing in writing before work begins
What Licit ADS is not
  • Not a law firm. Legal services come from independently retained licensed counsel
  • Not debt forgiveness. The underlying debt may remain owing
  • Not a guarantee of any court, lender or credit outcome
  • Not a credit repair service
Before you register

Common questions

We confirm your deadline first. Scope and pricing are then set out in writing in your portal. Nothing proceeds until you sign written terms.

The day your documents arrive. Deadlines are short, and they vary by province, by how you were served and by the document type.

No. Licit ADS is not a law firm and does not provide legal advice or representation. Where legal services are required, they are provided by independently retained licensed counsel.

Because a mortgage is a consumer contract, and Ontario’s Consumer Protection Act requires clear disclosure of pricing, fees and terms before signing. Where that disclosure was not given, the point can be raised with the lender as part of a defence. Whether it is available on your file depends on your documents.

Pricing and scope are set out in writing in your portal before any work begins. There is no obligation until you sign.

Open your file

Registration takes about ten minutes. Scope, pricing and next steps are set out in writing in your portal before anything proceeds.

RegisterI already have a file

Referred by a mortgage broker or sales rep? Select them during registration. Coming to us directly? You will be asked for a referral code.