In Ontario, the Personal Property Security Act (PPSA) governs secured transactions. When a creditor wants to secure an interest in a debtor’s personal property, it’s essential to register a financing statement under the PPSA.

Step 1: Obtain a Security Agreement

A written security agreement is required to create a valid security interest. This agreement outlines the collateral involved and the rights of the secured party.

Step 2: Register with the Ontario PPSA Registry

Once a security agreement is signed, the creditor should file a financing statement online through Ontario’s ServiceOntario system to perfect their interest.

Step 3: Renewal and Maintenance

PPSA registrations are valid for a fixed term. Creditors must monitor expiry dates and renew accordingly to maintain priority.

Why It Matters

A properly filed PPSA registration ensures a creditor has legal priority in the event of default or bankruptcy.

Final Thoughts

For lenders and business professionals, understanding Ontario's PPSA is critical to protecting financial interests.

The Employment Standards Act, 2000 (ESA) sets minimum standards for most workplaces in Ontario. Employers and employees should be familiar with its core principles.

Hours of Work and Overtime

Employees are entitled to overtime pay at 1.5 times their regular rate after 44 hours of work in a week, unless exempted.

Leaves of Absence

The ESA guarantees job-protected leaves such as maternity leave, parental leave, sick leave, and more.

Termination and Severance

Employees may be entitled to termination pay or severance pay depending on length of service and business size.

Final Thoughts

Staying compliant with the ESA helps protect businesses from costly disputes and ensures fair treatment of workers.

Buying a home in Ontario involves more than just signing an agreement of purchase and sale. Understanding key legal requirements can save time, money, and legal headaches.

Title Searches and Due Diligence

Lawyers conduct title searches to ensure the property has no liens, easements, or title defects.

Land Transfer Tax

Ontario homebuyers must pay a land transfer tax based on the purchase price. First-time buyers may qualify for a rebate.

Closing the Transaction

Your lawyer coordinates with the seller’s lawyer to complete the financial exchange, register the property, and transfer keys.

Whether it’s a contract dispute or a negligence claim, Ontario’s civil litigation process involves key procedural steps and timelines.

Statement of Claim

The lawsuit begins when the plaintiff files a Statement of Claim in the Ontario Superior Court of Justice.

Discovery

Both parties exchange documents and conduct examinations for discovery before trial.

Settlement and Trial

Many cases settle out of court. If not, the matter proceeds to trial before a judge or jury.

Family law in Ontario covers matters such as divorce, parenting time (custody), spousal and child support, and property division.

Divorce and Separation

In Canada, divorce is granted on the basis of a one-year separation, adultery, or cruelty. Most couples file after separation.

Parenting Time and Decision-Making

Courts focus on the best interests of the child when deciding custody and access issues.

Support Obligations

Child support is determined using the Federal Child Support Guidelines. Spousal support considers income disparity and financial need.