1 O N L I N E Collecting Monies Owed What happens when the tenant vacates and has not paid money owing? Presented by
2 At this Town Hall Meeting we will discuss: The legislation governing collection; Circumstances that may prevent collection; Landlord and Tenant Board orders; Options if you don t have an LTB order for monies owed Filing a claim in Small Claims Court An overview of the steps you can take to collect monies owed as awarded in a LTB order Garnishment Writs of seizure and sale Collection agencies Methods for obtaining financial information about the debtor
3 Governing Legislation When the tenant vacates the unit, the RTA no longer applies. Rule 60 of the Rules of Civil Procedure deals with the enforcement of orders in civil matters before the Superior Court of Justice. We will also discuss: Small Claims Court Courts of Justice Act, ONTARIO REGULATION 258/98, RULES OF THE SMALL CLAIMS COURT Garnishment Courts of Justice Act, ONTARIO REGULATION 258/98, RULES OF THE SMALL CLAIMS COURT Wages Act, R.S.O. 1990, CHAPTER W.1 Writ of Seizure and Sale Courts of Justice Act, ONTARIO REGULATION 258/98, RULES OF THE SMALL CLAIMS COURT Collection Agencies Collection and Debt Settlement Services Act, R.S.O. 1990, CHAPTER C.14
4 Collection challenges and obstacles Obtaining an order from the Landlord and Tenant Board for monies owed by the tenant does not guarantee the landlord will be paid. It is extremely difficult for a landlord to collect monies owed when a tenant: Is not employed and does not own personal property of value Receives assistance, such as: o ODSP o Welfare o Pension Is making support payments o Child support o Spousal support Declares bankruptcy Is self-employed
5 Landlord and Tenant Board order An order issued by the Landlord and Tenant Board is similar to a court order. Often, landlords are awarded an order for arrears of rent and/or damages, and the tenant vacates without paying the monies owed. If this happens, an order for the payment of money may be filed with the Small Claims Court for enforcement. If the landlord did not obtain a LTB order before the tenant vacated, it will be necessary to file a claim in Small Claims Court for monies owed and obtain a judgment.
6 If landlord did not obtain LTB order No LTB order and Landlord knows where tenant lives/works Landlord can file a Plaintiff s Claim (Form 7A) in Small Claims Court
7 Small Claims Court
8 Filing a Claim You can file a claim in Small Claims Court if your tenant: vacated the unit before you obtained an order from the Landlord and Tenant Board, and owes you monies for one or more of the following and arrears of rent damages utilities you know where they currently live. Note: The landlord has a limitation period of 2-years from the date of the incident to file a claim in Small Claims Court.
9 What landlords should be aware of Obtaining a judgment in Small Claims Court does not guarantee that you will be paid, you may have to take steps to enforce the judgment. If the tenant does not have a source of income or own personal property or assets of value, such as: A bank account with funds on deposit Income from employment Real estate or other property or assets of value (such as a car) that can be seized and sold you will not be able to enforce the judgment.
10 Filing a Plaintiff s Claim Before filing a Plaintiff s Claim (Form 7A), it is best to: document any damage in the unit by taking pictures, obtain at least 2 estimates for the cost to repair the damage, repair the damage left behind by the tenant, and include this information when filing your claim, and bring the documentation (estimates, receipts and photographs) with you to your Small Claims Court hearing. Note: The landlord may also consider having a witness present when the unit is inspected.
11 Cost of filing a claim The fees associated with filing a Plaintiff s Claim are as follows: Plaintiff s Claim $ 75 Filing a request for a trial date $100 Notice of garnishment* $100 Total $275 *If you are successful with a Plaintiff s Claim, you will receive a judgment. If the debtor refuses to pay, you can enforce it by filing a garnishment.
12 Order or Judgment obtained by landlord Garnishment Option #1 Writs of seizure and sale Option #2 Collection agencies Option #3
13 Option #1 Garnishment
14 Garnishment Garnishment is one method a landlord may use to collect monies owed by the tenant after an order from the Landlord and Tenant Board has been obtained or a Small Claims Court judgment awarded. Funds on deposit in the debtor s (tenant s) bank account may be seized or a portion of their wages will be attached (held back) and remitted to the court. Eventually, the funds remitted to the court will be released to you, the creditor (landlord). The landlord must have the LTB order certified before initiating the garnishment process through Small Claims Court.
15 Certifying the LTB order The landlord must first get the LTB order certified into a judgment before starting the garnishment process. Certificate of Judgment (Form 20A) is used and costs $19 to certify the LTB order.
16 What can be garnished A tenant s wages or bank account(s) can be garnished provided the landlord has the tenant s current address and information about the tenant s finances, such as: banking information details of the bank and branch where the account is held; or employment information the correct legal name and address of the employer **In both cases, the landlord must make sure they have the correct and current information indicated on the garnishment forms.
17 Can damages be included? Can the garnishment include payment for damages? No, if the LTB order or Small Claims Court judgment is only for arrears of rent. Yes, if the LTB order included an amount for damages in addition to arrears of rent. Step 1: File a claim against the tenant in Small Claims Court. Step 2: If you receive a Small Claims Court judgment for damages, the landlord can start a garnishment for this amount. Both amounts can be included on the same garnishment request.
18 How to file To file for garnishment through the Small Claims Court, you will need: An order from the Landlord and Tenant Board; or A judgment from Small Claims Court; A completed Affidavit for Enforcement Request; Notice of Garnishment; and Garnishee Statement. Garnishment documents can be picked up at any Small Claims Court office. The forms are also available online at
19 Where to file The garnishment forms are filed with the Small Claims Court, and must be filed in the court that has jurisdiction over the area where the tenant (debtor) resides or carries on business. Visit and follow the list to List of Small Claims Courts.
20 Costs When filing for garnishment, you will be required to pay the court: Issuing a certificate of judgment* $ 19 Issuing a notice of garnishment $100 Total $119 *The LTB order must be turned into a certified judgment before starting the garnishment process. Note: Since the garnishment fees are quite large, you should carefully consider the likelihood of collecting on your judgment before filing with the court.
21 Can I recover my filing costs? Costs (continued) A fee must be paid for each Notice of Garnishment filed, but this fee is recoverable in the garnishment. What other costs can be claimed? All costs that were incurred when filing the garnishment can be claimed. You may also include all costs relating to the eviction of the tenant, such as the fees paid to the Court Enforcement Office. Ensure all receipts are included with the garnishment as proof of your costs.
22 The garnishee may refuse to garnish wages There may be many reasons for a garnishee to refuse or decline to garnish the wages of the debtor (tenant). The debtor may, no longer be employed by that company, be on a leave of absence, or have been laid off have been incorrectly named or the employer/company was incorrectly named may be making support/garnishment payments and does not have available funds to continue with this garnishment.
23 How long will it take to recover my money? Section 7 of the Wages Act restricts the amount that can be garnished to 20% of wages during a pay period. Therefore, it is difficult to predict how long it will take before a landlord recovers all the monies indicated as owing on the order. The amounts recovered will depend on many circumstances, including: The amount the debtor earns, The frequency of pay period; Whether the debtor is making support payments; and Whether other creditors are garnishing his/her wages.
24 Does the notice of garnishment A notice of garnishment is valid for six years. expire? If you are unable to collect the full amount owing during that time, another Notice of Garnishment must be filed before the current one expires by filing a Request to Renew (Form 60E). A fee is payable when filing to renew a Notice of Garnishment.
25 Option #2 Writ of Seizure and Sale
26 Writ of Seizure and Sale Filing for a writ is a very complex and relatively costly process. A writ is a legal document issued by the court to assist with the collection of monies owed. Once a writ is issued, it stays in effect until the monies owed are paid in full or until it is withdrawn as long as it does not expire. The writ is valid for six years and is renewable by paying a fee.
27 Writs of Seizure and Sale A writ of seizure and sale can be in one of two forms Writ of Seizure and Sale of Personal Property Writ of Seizure and Sale of Land Used to seize and sell the debtor s personal property that is not exempt. Valid for 6 years & Renewable in 6 year intervals if is it not satisfied. Used to seize and sell the debtor s real property.
28 Writ of seizure and sale of personal A writ of seizure and sale of personal property can be filed to seize the tenant s (debtor) personal property (i.e. a car). The property will be sold at an auction, and the proceeds used to pay the judgment. property This can be a very costly process as the landlord is required to pay for: the cost of removal and storage of the items to be seized, any costs associated with advertising the items for sale If the landlord is represented, they will be required to deposit funds with the court office to cover these costs before the seizure begins. In situations where the landlord is not represented, they may be required to indemnify the Court Enforcement Office the value of the seizure as assurance the process has been completed correctly.
29 Writ of seizure and sale of land The writ of seizure and sale of land can be filed at any time and will attach to the tenant s name. This method of collection is effective if the tenant buys or sells any real property (house, condo, cottage or land) or inherits property and a lien search is required. However, in order to serve a copy to the tenant, the creditor (landlord) must have the tenant s address. When real property is purchased or sold a name search is undertaken, this is a standard practice on closing for all real estate transactions. The proceeds from the sale of property will be seized to satisfy the debt if former tenant is the vendor. If the former tenant is the purchaser, funds which have been arranged for the mortgage may be seized.
30 Writ of seizure and sale of land (continued) A writ of seizure and sale of land can be filed against a debtor in any county or district where the debtor may own land. The writ would encumber any land presently owned or land which may be purchased in the future by the debtor in the county or district where the writ is filed. The tenant will be unable to sell or purchase any land until the order is paid. The encumbrance is in the form of a lien, a type of hindrance placed on a property. A lien against real property ensures that debts are paid at the time of sale of the property. Note: Although a lien can be registered against a property, this process is complicated and it is advised that you contact a lawyer for further assistance. Visit the Law Society Referral Service at for an online referral.
31 Option #3 Collection Agencies
32 Collection Agencies Industry Canada defines a collection agency as A company that intervenes to recover money owed by people in debt. If a landlord has a Landlord and Tenant Board order awarding monies but does not know where the tenant banks, works or lives, the landlord might consider using the services of a collection agency.
33 Collection Agencies (continued) The fees or commission rates charged by collection agencies often depend on: the total amount owing; how long the debt has been outstanding; when the last payment (if any) was made. It is a best practice to confirm the fee structure of the collection agency before you hire one. For more information about collection agencies, visit
34 Locating Information
35 Examination Hearing An examination hearing is available to the landlord (creditor) if the tenant (debtor) defaults on payment of an LTB order or Small Claims Court judgment. If the landlord knows where the tenant resides but does not know where the tenant banks or works, an examination hearing is one way for the court and creditor (landlord) to obtain financial information such as: current financial situation of the tenant employment income bank accounts what assets the tenant has house, cottage, land, car, boat, etc. The landlord is also able to examine someone other than the tenant (debtor), in order to obtain information about the tenant s assets.
36 Skip Trace Agency If the landlord does not have information about the tenant s new address, name of current employer or current banking information, the landlord may consider hiring a Skip Trace Agency. Search Skip Tracing Agencies Ontario online for more information. Note: If using a Skip Trace Agency additional costs will be incurred.
37 Confirming information If the landlord intends to garnish wages, the landlord should do a search of the name of the tenant s employer/company at the Ministry of Consumer and Business Services. The cost for a search is minimal and it will ensure you have the true company name. The Ministry of Consumer and Business Services, Companies and Personal Property Security Branch is located at: 375 University Avenue, 2 nd floor, Toronto, Tel: / Caution: Many companies operate under a name different from the one that is registered. If you issue a garnishment under the wrong company name it is worthless.
38 At this Town Hall Meeting we have discussed: The legislation governing collection; Circumstances that may prevent collection; Landlord and Tenant Board orders; Options if you don t have an LTB order for monies owed Filing a claim in Small Claims Court An overview of the steps you can take to collect monies owed as awarded in a LTB order Garnishment Writs of seizure and sale Collection agencies Methods for obtaining financial information about the debtor
39 Resources FAQs - Index of Q and A`s b_id=25&sub_catid=1&sub_name=ending a Tenancy RTA FactSheets: Garnishment RTA FactSheets: Tenant Bankruptcy e-laws Search Residential Tenancies Act, Law Help Ontario A Guide to Enforcing Your Order -
40 Resources Landlord and Tenant Board A Guide to the Residential Tenancies Act - Guide to the RTA in Multiple Languages - Small Claims Court Forms - Location and General Information - sp After Judgment- Guide to Getting Results _Judgement_Guide_to_Getting_Results_EN.pdf
44 An archive of the slide decks used for Town Hall Meeting is open and available for all to use as a learning tool: The slide deck presented today will be available online by Friday of this week.
45 The information provided in this presentation is intended as general information. It is not legal advice. Please contact a legal service provider if you have a specific issue or situation that requires legal advice.
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