Received a ‘Notice of Sale’ or ‘Statement of claim’?
You still have time and legal options.
If you’ve received a Notice of Sale, Demand Letter, or a Statement of Claim, it doesn’t mean it’s too late. You may still have valid legal avenues available. We can help you understand your position and explore what options may be possible.
Let’s talk about what’s next.
What Sets Us Apart
- Proven Foreclosure Defence
- Court Tested Strategies
- Multilingual Support
Why Ontario Mortgage Defence?
Review and challenge improper charges
Navigate urgent timelines
Respond effectively to lender demands
Understand their rights and next steps
Straight answers, always.
Legal services we offer
Review of Mortgage Documents
- Identify possible overcharges, discrepancies, or procedural errors
- Assess whether proper procedures were followed
- Spot areas that may be challenged or disputed in court proceedings.
Fee & Charge Dispute Resolution
- Examine legal costs, interest penalties, and late fees
- Identify charges that may be excessive or non-compliant
- Provide a legal opinion on their enforceability and validity.
Negotiation Strategy & Support
- Communicate with lenders or their lawyers on your behalf
- Seek additional time (if it’s still possible) for you to plan your next steps
- Explore the possibility of loan modification or payment arrangements
Practical legal strategies
Gain more time before enforcement
Dispute unfair charges
Prepare for the next phase on their terms
Frequently asked questions from GTA homeowners
Let’s walk through it together, one step at a time.
- Protect your rights
- Explore every legal option
- Personalized guidance
Will I speak directly to a lawyer?
Yes. After you contact us, someone from our team will reach out to gather the initial details and schedule your consultation with a lawyer. You won’t be passed around or sent to a call centre – your case will be handled with care and personal attention from our legal team.
- Direct Access: Talk to a lawyer, not a call centre.
- Clear Steps: Know what’s needed upfront.
- Fast Reply: Hear back within one business day.
What will this cost me?
The consultation is completely free with zero obligation. If you decide to proceed, we’ll explain all legal fees clearly upfront so you understand what to expect.
What legal options do I have at this stage?
That depends on how far along your foreclosure process is, but even if you’ve received a Notice of Sale or Statement of Claim, legal action can still help you challenge errors or negotiate more time. Our first step is to review your documents and figure out if there’s something your lender did wrong or something we can push back on.
Can I challenge lender charges or interest rate hikes?
Yes, in many cases. We’ve seen lenders apply improper fees, inflated legal costs, or unfair interest rate increases after default. We’ll carefully go through your mortgage terms and payment history to spot anything that goes against the law, and if there’s a case, we’ll challenge it in court.
What does the legal process involve?
We start by reviewing your mortgage documents and any notices you’ve received. Then we assess whether your lender followed the legal steps required. If not, we can file legal action to delay or stop enforcement, negotiate on your behalf, or appear in court to defend you. Every step is explained clearly with no confusing legal jargon.
What happens after I fill out the form?
Once you submit the form, our intake team will call to set up your free consultation. We’ll go over your situation and discuss potential next steps.
Is this confidential?
Yes. Everything you share with us is 100% confidential and protected by the lawyer–client privilege. Your lender won’t know you’ve contacted us unless you decide to proceed with legal representation.
What if there are limited options available?
We’ll give you an honest assessment. However, even in challenging situations, understanding your legal position and available timeline can help you make better-informed decisions about your next steps.
Case example: How we've helped Ontario homeowners
Documentation Review
We carefully review all lender documentation to identify potential procedural errors, unclear charges, and compliance issues that may affect your case.
Fee Assessment
Our legal review examines fees and charges to determine compliance with mortgage agreements and applicable legislation.
Legal Representation
We provide legal representation in proceedings, ensuring homeowners understand their position and available options throughout the process.
We've represented clients in proceedings commenced by major Canadian financial institutions.
Amina Siddiqi
What Our Clients Say
Obaidul Hoque
/ Mortgage Enforcement Lawyer & Founding Partner, Westmont Law Group LLP
Meet Obaidul Hoque
Most people who call me are in a panic. They’ve received a legal notice, and they think it means the bank can take their home right away. However, in most cases, there’s still time and legal options.
Sometimes it’s a technical error. Sometimes it’s a fee that doesn’t hold up under the law.
And sometimes everything is in order, and if that’s the case, I’ll tell you that too.
I’ve helped many homeowners across Ontario, especially newcomers to Canada, who didn’t always understand the terms they signed or didn’t feel they could ask questions. I walk through everything. And if English isn’t your first language, that’s never a barrier; I’ve worked with families who speak French, Urdu, Bengali, Spanish, and more.
It’s all about understanding where you stand and seeing what the law allows you to do about it.
Facing mortgage difficulties?
Let's discuss your options.
Need help understanding your legal position?
How can we help?
Tell us where things stand. It takes under a minute.
Where should we send your consultation details?
You’ll hear from us within one business day.
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