Toronto Bankruptcy & Debt Lawyer, Ontario


Caryma F Sa'd Lawyer

Caryma F Sa'd

VERIFIED
Criminal, Civil & Human Rights
Caryma Sa’d practices law in the Greater Toronto Areaand beyond.

A major component of Caryma’s current work involves advocacy with respect to human rights and social justice issues. She writes and tweets extensive... (more)

Marcus Peter McCann Lawyer

Marcus Peter McCann

VERIFIED
Employment, Civil Rights, Non-profit

Marcus is a lawyer who practices in the areas of employment, human rights and administrative law. He has appeared before all levels of court in Ontari... (more)

FREE CONSULTATION 

CONTACT

800-960-9280

Matthew Adam Friedberg Lawyer

Matthew Adam Friedberg

VERIFIED
Criminal, DUI-DWI, Felony, Motor Vehicle, White Collar Crime

Matthew Friedberg has been a criminal defence lawyer his entire career. He has successfully represented thousands of clients charged with every type o... (more)

John Edward Charles Hyde Lawyer

John Edward Charles Hyde

VERIFIED
Employment, Labor Law

John-Edward C. Hyde is a Partner and Chair of the Management-side Labour Group, at Hyde HR Law. John is one of only 22 lawyers in Canada, certified as... (more)

Noel Martin Gerald Daley Lawyer

Noel Martin Gerald Daley

Accident & Injury, Medical Malpractice, Insurance, Civil Rights, Sexual Harassment

Noel Daley's success in law has been clearly defined by his upbringing. Inspired by his mother, who put his brothers and him through law school, he ha... (more)

Matthew James Jeffery Lawyer

Matthew James Jeffery

VERIFIED
Immigration, Visa, Deportation
Certified as a Specialist in Immigration Law

Matthew Jeffery, Barrister & Solicitor, is a Canadian immigration lawyer based in Toronto, Canada. Mr. Jeffery specializes in all types of immigration... (more)

Richard J. Aitken Lawyer

Richard J. Aitken

VERIFIED
Criminal, DUI-DWI, Traffic, Felony, Misdemeanor

Our winning team of experienced Ontario criminal lawyers provides hope and real solutions to those charged with DUI, DWI, impaired driving or other cr... (more)

FREE CONSULTATION 

CONTACT

800-814-0801

Jonathan  Mesiano-Crookston Lawyer

Jonathan Mesiano-Crookston

VERIFIED
Lawsuit & Dispute, Intellectual Property, Franchising, Business, Health Care

Jonathan Mesiano-Crookston (BScH Biochem, JD) is a partner with the boutique commercial litigation firm of Goldman Hine LLP and a registered patent an... (more)

FREE CONSULTATION 

CONTACT

800-681-3730

Mihkel  Holmberg Lawyer

Mihkel Holmberg

VERIFIED
Corporate, Wills & Probate, Trusts, Wills

Mihkel Holmberg’s practice encompasses a broad range of business practice including the purchase and sale of businesses, corporate and commercial le... (more)

Trevor  Smith Lawyer

Trevor Smith

VERIFIED
Divorce & Family Law, Family Law, Child Custody, Child Support, Divorce
We help good people through difficult situations

I am a divorce and family law lawyer. I solve most of my clients' legal issues out of court. When court is necessary, though, I advocate my clients' r... (more)

FREE CONSULTATION 

CONTACT

800-929-0821

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)
A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)
An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

CREDIT FILE

See credit report.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)
A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)
The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.