Faizal Roy — Debt Recovery & Small Claims Court Windsor
Chasing unpaid invoices or an outstanding debt? Windsor debt collection lawyer Faizal Roy helps businesses and individuals recover money owed through Ontario's courts — from Small Claims up to Superior Court — efficiently and cost-effectively.
Whether you're a business chasing an unpaid invoice or an individual owed money from a private loan, Faizal Roy can pursue your claim through Ontario's courts.
Suppliers, contractors, and service providers can pursue non-paying clients for outstanding invoices through Ontario's courts. Faizal Roy sends demand letters and, if necessary, commences proceedings to enforce payment.
Ontario's Small Claims Court handles debts up to $35,000 — faster, cheaper, and more accessible than Superior Court. Faizal Roy prepares your claim, attends hearings, and maximizes your recovery.
For debts exceeding $35,000, claims proceed in Ontario Superior Court. Faizal Roy handles the full litigation process — pleadings, discoveries, motions, and trial — to secure judgment against the debtor.
Already have a court judgment but the debtor won't pay? Faizal Roy pursues enforcement through wage garnishment, bank account seizure, liens on property, and examination of the debtor's assets.
Unpaid personal loans, promissory notes, shareholder loans, or private lending agreements. Faizal Roy enforces repayment through Ontario's civil courts on behalf of lenders and creditors.
Landlords, property managers, and homeowners can pursue debt claims for unpaid rent, damage deposits, and other property-related financial obligations through Ontario civil courts.
Getting a court judgment is step one. Faizal Roy can also pursue enforcement if a debtor refuses to pay voluntarily.
A court order requiring the debtor's employer to redirect a portion of their wages directly to you until the debt is paid. Highly effective where the debtor is employed.
Directing a financial institution to freeze and transfer funds from the debtor's bank account toward satisfying the judgment. Fast and direct enforcement.
A writ filed against real property or personal assets. It can trigger a lien against the debtor's land and block any sale until your debt is paid from the proceeds.
A court examination compels a debtor to attend and disclose assets, income sources, and financial details under oath — essential intelligence for targeting the right enforcement tools.
Faizal Roy reviews your documentation — invoices, contracts, communications — and advises on the strength of your claim and the best court to pursue it in.
A formal legal demand is sent to the debtor. Many debtors pay at this stage to avoid court proceedings. Faizal Roy drafts demand letters that carry weight and prompt action.
If payment is not received, Faizal Roy files your claim in Small Claims Court (up to $35,000) or Superior Court and serves the debtor in accordance with Ontario rules.
Faizal Roy attends hearings to secure judgment. If the debtor still doesn't pay, enforcement proceedings — garnishment, writs, examinations — recover what's owed.
Filing fees in Ontario Small Claims Court range from roughly $75 to $235 depending on the claim amount. If you win, the court often orders the losing party to pay your costs. Faizal Roy can walk you through the expected costs before proceeding.
Timelines vary. If a demand letter prompts payment, resolution can happen in weeks. Small Claims Court proceedings often take 3–12 months. Superior Court litigation for larger debts can take longer. Acting quickly improves your odds of fast recovery.
You can still obtain a judgment and enforce it later. Judgments in Ontario are good for 20 years. If the debtor acquires assets, income, or property in the future, you can enforce against those. An examination of debtor hearing can also reveal hidden assets.
In Small Claims Court, the successful party may recover up to 15% of the amount claimed in costs. In Superior Court, partial indemnity costs are typically awarded to the winning party. Faizal Roy can advise on what cost recovery is realistic in your case.
Faizal Roy can pursue enforcement through wage garnishment, bank account garnishment, writs of seizure and sale, or an oral examination of the debtor. Having a judgment is a strong position — enforcement is the next step.
Generally 2 years from when you knew or ought to have known that the debt was owed and payment was refused. Some types of debts have different rules. Act promptly — a missed limitation period bars your claim permanently.
Windsor debt collection lawyer Faizal Roy reviews your case and advises you on your best path to recovery — from demand letter to court enforcement.
Faizal Roy · Debt Collection & Civil Litigation · 870A Ottawa St, Windsor, ON