5. Get legal help

I can't repay my payday loan. What should I do?
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5. Get legal help

If you didn’t repay your payday loan in time, the payday lender can sue you in Small Claims Court. If they do, you don’t need to hire a lawyer because you are allowed to represent yourself. But, it may be best to get legal help. Some of the places to look for a lawyer are:

Law Society of Ontario

The Law Society of Ontario has a Directory of all lawyers and paralegals licensed to practise law in Ontario. You can search the directory by name, city, or postal code.

Law Society Referral Service

The Law Society of Ontario has a Law Society Referral Service. This online service gives you the name of a lawyer or paralegal in your area who can talk to you for up to 30 minutes for free. You can ask for a professional who speaks your language, or a lawyer who accepts legal aid certificates.


JusticeNet is a not-for-profit organization that helps people who do not qualify for Legal Aid to find legal help. JusticeNet has an online directory of lawyers, paralegals, and mediators who provide legal services at reduced rates to people who earn less than $59,000.

You must register and pay a $25 fee to use the directory. This fee may be returned to you if you don’t find a professional to work with.

Pro Bono Ontario

Pro Bono Ontario offers free or reduced cost legal services to help people who have non-family or criminal legal problems. In Ottawa and Toronto, they have duty counsel lawyers who provide free legal advice to people who are representing themselves at court. At times lawyers may be able to represent people in court on that day.

Pro Bono Ontario uses volunteer lawyers, so clients must be low-income to qualify and may have to meet other criteria to be eligible for help.

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Ontario Ministry of Government and Consumer Services
Reviewed: July 18, 2018

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