Collecting a Small Claims Judgment in Ontario

Enforcement Methods

• Wage Garnishment — Diverting up to 20% of the debtor's wages directly from their employer.
• Bank Account Garnishment — Seizing funds directly from the debtor's bank account.
• Writ of Seizure and Sale — Placing a lien on the debtor's property (land or personal goods).
• Examination in Aid of Execution — Forcing the debtor to appear in court and disclose their assets under oath.

The 20-Day Rule

You generally cannot start enforcement until 20 days after the judgment is issued, allowing the debtor time to pay voluntarily or file an appeal.