2. Talk to the creditor

I lost a Small Claims Court case, but can't afford to pay what I owe. What can I do?
This question has an answer and 4 steps
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2. Talk to the creditor

If you have an order against you, talk to the creditor. The best way is to send a letter explaining how you can pay back the money, or why you need more time.

In your letter, include:

  • when you expect to be able to pay
  • why you can't pay right away
  • whether you need to pay by instalments over time

Be reasonable and realistic. For example, if you will start a new job in 2 weeks, ask the creditor to wait until then. Tell them how much of your wages you will set aside to pay the debt.

Keep records

Keep careful records of any money you pay to the creditor.

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Ontario Ministry of the Attorney General
Ontario Ministry of the Attorney General
Reviewed: February 23, 2017

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