Lawyer for Consumer Debt Collection in Toronto
Nicholas Carmichael maintains a broad litigation and dispute resolution practice, and has experience working on matters involving negligent misrepresentation, fraud, insurance coverage issues, product liability, negligence and trespass. Nicholas has extensive experience representing clients at the Su...
Nicholas Carmichael maintains a broad litigation and dispute resolution practice, and has experience working on matters involving negligent misrepresentation, fraud, insurance coverage issues, product liability, negligence and trespass. Nicholas has extensive experience representing clients at the Superior Court of Justice, such as contested motions, summary judgment motions, applications, pre-trial conferences and trials. He has negotiated resolutions on behalf of his clients at numerous mediations. He has also appeared before the Small Claims Court and the License Appeal Tribunal. As an articling student, he assisted on a trial involving a breach of contract dispute that was heard on the Commercial List. Nicholas graduated from the Schulich School of Law at Dalhousie University. He was elected by his peers to serve consecutive years as a representative on the Law Students’ Society. He also helped establish a law school-wide squash ladder and tournament. When not practising law, Nicholas enjoys cooking, playing tennis and following politics and international events.

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Fred is a lawyer, entrepreneur, executive, and board president who provides estates law services and business consulting services.

In his estates practice, Fred serves owner-manager and high net wealth individuals design and document their estate plans to ensure their testamentary wishes are...

Fred is a lawyer, entrepreneur, executive, and board president who provides estates law services and business consulting services.

In his estates practice, Fred serves owner-manager and high net wealth individuals design and document their estate plans to ensure their testamentary wishes are achieved in a tax efficient manner. In his business law practice, Fred works with entrepreneurs and their businesses to ensure the legal building blocks are in place to prepare for scaled and sustained growth.

In his business consulting practice, Fred works with information technology and SaaS companies to establish product and go-to-market programs to support growth ambitions. Fred brings many years of senior product development, marketing, sales, and customer engagement experience to each engagement and his blue-chip best practices to empower growing businesses.

Fred is also an active volunteer. He is board president of Camp Quality Canada, which sends kids with cancer and blood disorders to summer camps, and the Lytton Park Residents' Organization, which represents the interests of residents of the Lytton Park neighbourhood. Fred is also a Schulich School on Law (Dalhousie) mentor, and in the past has been a Law Society of Ontario Equity & Diversity mentor and Ryerson University Law Practice Program Principal.

Always eager to participate in innovation projects, Fred is an active in the new venture community, as a mentor of ventureLAB, Ryerson DMZ, and the University of Toronto Hatchery program.




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Fraud is a growing concern in Canada, with thousands of people affected each year. Whether you’ve been targeted by an online scam, identity theft, or a financial scheme, it’s essential to act quickly to minimize the damage and protect your legal rights. Fraud Statistics in Canada (2023) Type of Fraud Reported Cases Estimated Losses Annual […]

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How to Legally Recover a Debt in Canada

Recovering a debt can be a challenging and frustrating process, but understanding your rights and the legal options available can make a significant difference. In Canada, there are several steps you can take to recover a debt, whether you are an individual or a business trying to collect money owed to you. From negotiating with […]

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Unlawful Termination and Reinstatement in Canada: Your Rights

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Lawyer consultations in Toronto start from 150 CAD and up (prices may vary depending on the complexity of the issue and the type of response)

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First, formulate your question clearly and briefly, and try asking it. If it is simple and can be answered quickly, lawyers often provide answers for free. However, the right to determine the consultation fee remains with the lawyer.

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The cost of legal services depends on the scope of work and the complexity of the case. On average, lawyer services start from 150 CAD. Choose candidates based on ratings and reviews. Many have examples of completed work!

What is the difference between an attorney and a lawyer?

An attorney can handle cases in criminal proceedings. The field of activity for a lawyer, unlike that of an attorney, is limited. Lawyers mainly specialize in civil cases, such as labor disputes, debt collection, contract preparation, housing, and land disputes, etc.

 

When should you consult a lawyer?

When is it necessary to consult a lawyer? People decide to visit a lawyer when they face serious difficulties. Professional legal assistance in Toronto is often sought when the case is already in court or a government institution and things are not going as expected. Or worse – the case has already been lost. Therefore, we recommend not delaying and resolving the issue early on.

What does a legal consultation include?

A legal consultation includes the analysis of situations and recommendations from a lawyer regarding possible actions. Two types of consultations are identified: court consultation and written consultation (legal opinion). The specific type of assistance depends on the situation and the client’s preferences.