What If I Default On My Mortgage?
When you stop making regular mortgage payments to your lender, several events will inevitably happen. You will be assessed fees for late payments, your mortgage will fall into default, your credit rating will fall as the late or missed payments are reported to the credit bureaus and other lenders will be more hesitant to lend to you when you have a history of not making your mortgage payments on time. Ultimately, defaulting puts you in danger of losing your home. In Ontario, the method most commonly used by lenders to enforce mortgages is a Power of Sale process. It grants the lender the...
Read MoreLiving Wills: Communicating Your Health Care Wishes
A “living will” is an expression used to describe a document containing a person’s medical care wishes should they become unable to communicate them due to incapacity. A living will clause is often contained in a Power of Attorney for Personal Care (POA PC) as the attorney must have regard to treatment wishes they are aware of. A POA PC is not the same as a living will. Instead, it is a legal document in which one appoints one or more individuals to make personal care decisions for you, such as housing and health care, should you become incapacitated. An example of a living...
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Andrea P. Kelly is a legal practitioner and notary public, called to the Ontario Bar in 2001, with practice focus in Estate Planning and Administration, including wills, estates, trusts and powers of attorney. She also practices Real Estate.
Prior to opening her law firm, she worked in various capacities including litigation support lawyer for the Ministry of Attorney General regarding complex commercial litigation, private practice in corporate/commercial law and numerous legal research and writing positions.