Sued for Debt Canada — Civil Claim Defence & Limitations Guide
How to Defend Credit Card, Loan & Collection Agency Lawsuits
2-year basic limitation period | 20-day deadline to file Form 9A/Dispute Note | Prohibition on false claims. Free procedural roadmaps, filing fee calculators, and court-ready evidence preparation for Canadian litigants.
Quick Assessment: 2-Year Limitation Period & Statute-Barred Debt Checker
Check whether 2 years have passed since your last payment or written acknowledgment, rendering the debt legally unenforceable.
Essential Interactive Tools
2-Year Limitation Period & Statute-Barred Debt Checker
Check whether 2 years have passed since your last payment or written acknowledgment, rendering the debt legally unenforceable.
Open Tool →Form 9A Defence / Dispute Note Ground Identifier
Identify valid legal defences to debt claims: statute of limitations, incorrect balances, lack of assignment proof, or predatory fees.
Open Tool →Terms of Payment & Monthly Instalment Settlement Calculator
Calculate realistic monthly repayment proposals under Ontario Form 9B or Alberta consent terms based on disposable income.
Open Tool →Step-by-Step Procedural Guides
Served With a Debt Lawsuit: 20 Days to Prevent Default Judgment
Urgent timeline rules: counting your 20-day response window, noting in default risks, and filing Form 9A or Dispute Note.
Read Guide →How to Plead and Prove the 2-Year Limitation Period in Court
Why debt buyers sue on expired debt, how payment resets the clock, and pleading the Limitations Act as an absolute defence.
Read Guide →How to Stop Collection Agency Harassment Under Canadian Law
Prohibited collection practices: calls after 9pm, calling employers, contacting family members, and sending cease-and-desist letters.
Read Guide →Negotiating a Debt Settlement Before Small Claims Trial
How to settle for 30-50 cents on the dollar, draft binding Minutes of Settlement, and obtain a formal Dismissal of Action.
Read Guide →Key Topics & Provincial Hubs
Defending Against Bank Credit Card Lawsuits in Small Claims
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Personal Line of Credit and Unsecured Bank Loan Lawsuits
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Suits by Debt Buyers (CollectCentric, EOS, Affinity, MetCredit)
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Defending Against Overpriced or Incomplete Contractor Claims
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Repossession Deficiency Claims on Car Financing and Leases
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Ontario Small Claims Court Debt Defence Rules and Forms
Complete procedural breakdown and evidentiary guidelines for Canadian litigants.
View Details →Prepare Your Court-Ready Evidence Bundle in Minutes
Don't let procedural disorganization risk your case. Casewright automatically organizes invoices, bank statements, text messages, and emails into a chronologically indexed, paginated exhibit bundle formatted to your provincial court or tribunal standards.
- Automatic chronological extraction & timestamp alignment
- Redaction of sensitive information (SIN, banking details, personal identifiers)
- Paginated PDF exhibit bundle with clickable table of contents
- Accepted by Small Claims Courts, RTB, LTB, and RTDRS digital portals