[{"id":"9aac29ce-6257-416e-bd69-383630072406","order":1,"text":"[Your full legal name]","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"0","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"individual","type":"add","operator":"="}]},{"id":"d6355b54-f8e8-4b93-b9a2-0766639cccce","order":2,"text":"[Legal name of your business]","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"0","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"business","type":"add","operator":"="}]},{"id":"75565d8f-2a2c-495f-9188-847f3d3289ef","order":3,"text":"[Street address]
[City, province and postal code]
Telephone: [Telephone number]
Email: [Email address]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"individual","type":"add","operator":"="}]},{"id":"b480b56d-fad2-4bf7-b190-d2085b67996c","order":4,"text":"[Street address]
[City, province and postal code]
Telephone: [Telephone number]
Email: [Email address]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"business","type":"add","operator":"="}]},{"id":"1aae35bc-9954-4b4b-8d45-97ca06bc0621","order":5,"text":"[Date of this letter]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true},{"id":"9f804cdd-3cb6-4a69-9533-6b8212c57aad","order":6,"text":"DELIVERED BY REGISTERED MAIL","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"30","cflou":false,"active":true},{"id":"d04d7865-a2b9-4508-827e-779d8859f18b","order":7,"text":"[Full legal name of the debtor]","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"0","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"individual","type":"add","operator":"="}]},{"id":"9fec597b-cac4-4682-a695-7acae60ee325","order":8,"text":"[Legal name of the debtor business]","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"0","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"business","type":"add","operator":"="}]},{"id":"7e9ab69a-4967-4bb1-b853-c0995cb98aa7","order":9,"text":"[Street address]
[City, province and postal code]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"individual","type":"add","operator":"="}]},{"id":"dc746fda-3b68-4d5c-ba57-167966a2396d","order":10,"text":"[Street address]
[City, province and postal code]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"business","type":"add","operator":"="}]},{"id":"82fcb1bd-a66b-4c23-9a60-7f2b1ef25e76","order":11,"text":"Attention: [Name of the person concerned], [Title or position]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"business","type":"add","operator":"="}]},{"id":"fb9e8949-90cf-47e0-8a81-e50288470266","order":12,"text":"RE: DEMAND FOR PAYMENT — [Invoice number or reference] — PRINCIPAL OUTSTANDING $[Principal amount outstanding] CAD","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"30","cflou":false,"active":true},{"id":"7c621baa-1a3a-4a12-b831-3d90963a0afe","order":13,"text":"Dear [Full legal name of the debtor]:","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"individual","type":"add","operator":"="}]},{"id":"36c0cc2b-d17c-4d67-895d-53acf643fb33","order":14,"text":"Dear Sir or Madam:","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"business","type":"add","operator":"="}]},{"id":"02cab5e8-bd45-485b-b876-d2d85b2e0747","order":15,"text":"This letter is a formal demand for payment of the sum particularised below. It is written under full reservation of all rights and remedies, none of which is waived, and its contents may be produced in evidence in any proceeding taken to recover the sum claimed. You are urged to read this letter carefully and, if you consider it necessary, to obtain independent legal advice without delay.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true},{"id":"76c7c071-d9b9-4c3c-bd07-3668a5e47f4e","order":16,"text":"1. THE PARTIES","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S01"},{"id":"40a25ae2-9fae-4432-9c64-2a0b2b7d8191","order":17,"text":"The creditor is [Your full legal name], whose address, telephone number and email address for the purposes of this demand appear at the head of this letter (the \"Creditor\").","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"individual","type":"add","operator":"="}]},{"id":"d0128807-afe2-4add-a93e-0594e0a286f4","order":18,"text":"The creditor is [Legal name of your business], whose address, telephone number and email address for the purposes of this demand appear at the head of this letter (the \"Creditor\"). This letter is signed on behalf of the Creditor by [Name of the person signing], [Title or position], who is duly authorized in that behalf.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"business","type":"add","operator":"="}]},{"id":"4bfc610a-4924-4882-b244-1e52a6253997","order":19,"text":"The debtor is [Full legal name of the debtor], whose address appears above (the \"Debtor\"), being the person to whom this letter is addressed.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"individual","type":"add","operator":"="}]},{"id":"9683a00a-897d-4e18-9806-a64ef7899a7d","order":20,"text":"The debtor is [Legal name of the debtor business], carrying on business at the address shown above (the \"Debtor\"), to the attention of [Name of the person concerned], [Title or position].","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"e5e30da3-6a98-4c18-b526-1c0989f8a622","value":"business","type":"add","operator":"="}]},{"id":"c02e8c1f-7736-486c-850b-eeede06d0688","order":21,"text":"If the Debtor is not the proper party to this demand, if the sum claimed is owed by another person, or if any part of the sum claimed has already been paid, the Debtor must say so in writing, with particulars and copies of any supporting document, within the time limited by this letter.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"688a9e9d-6a0a-457f-ba44-ccb4fe8dc4d3","order":22,"text":"2. THE INDEBTEDNESS","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S02"},{"id":"96f02e4d-cb01-41f7-81e7-78d74bd449cf","order":23,"text":"The sum claimed (the \"Debt\") arises out of a written agreement between the Creditor and the Debtor. The obligation of the Debtor to pay the Debt arose on [Date the debt arose], and payment fell due on [Date payment fell due]. The Creditor's records for this matter are kept under the reference [Invoice number or reference].","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"72497d9c-06d5-4b01-84ff-25d97e9b32fe","order":24,"text":"A copy of that agreement is held by the Creditor and will be produced. Non-payment constitutes a breach of it, and the Creditor relies upon every term of the agreement, including any term as to interest, default and the recovery of costs.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"a written agreement between the Creditor and the Debtor","type":"add","operator":"="}]},{"id":"4d9ed482-b65c-40e5-aa5f-46764f296925","order":25,"text":"Although the agreement between the parties was not reduced to writing, a verbal agreement is binding and enforceable. The Creditor will rely upon the conduct of the parties, the invoices rendered, the payments made and any correspondence exchanged as evidence of the agreement and of its terms.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"a verbal agreement between the Creditor and the Debtor","type":"add","operator":"="}]},{"id":"623a2608-a7ce-40d6-9ec3-b65dcce8876b","order":26,"text":"The goods were supplied and delivered to, and accepted by, the Debtor without objection as to quantity, quality or price within the time allowed for objection. The Creditor reserves every right to reclaim goods for which payment has not been made, and to perfect or enforce any security interest in them under the applicable personal property security or movable hypothec legislation. No further goods will be supplied to the Debtor on credit until the Debt is paid in full.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"goods sold and delivered by the Creditor to the Debtor","type":"add","operator":"="}]},{"id":"6b6ea677-ae68-4f1e-8dbf-ec0b44994a50","order":27,"text":"The services were performed at the request of the Debtor and accepted without objection as to the standard of the work or the price charged. Pending payment in full, the Creditor suspends the performance of any further work for the Debtor and reserves every right and remedy available at law, including any right of lien, holdback or set-off.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"services rendered by the Creditor at the request of the Debtor","type":"add","operator":"="}]},{"id":"5af99071-46fe-4341-b644-a4aee6ffeb73","order":28,"text":"The invoice was rendered to the Debtor in the ordinary course of business and remains unpaid. No objection to it has been received that the Creditor considers well founded. The account of the Debtor is placed on hold and no further credit will be extended until the Debt is paid in full.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"an invoice rendered by the Creditor to the Debtor and left unpaid","type":"add","operator":"="}]},{"id":"9e030a46-e3f2-4fa6-a744-4c1ae00261e3","order":29,"text":"The loan was advanced by the Creditor and received by the Debtor. The Creditor has elected to call in the loan, and the whole of the outstanding balance, together with interest, is now due and payable. No further indulgence will be granted.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"a loan of money advanced by the Creditor to the Debtor","type":"add","operator":"="}]},{"id":"927d2c80-48c0-40d6-b67e-857e0c8c1ccb","order":30,"text":"The rent claimed remains in arrears. The Creditor reserves every right and remedy available under the lease or tenancy agreement and under the residential or commercial tenancy legislation applicable to the premises, including any right to terminate the tenancy, to recover possession or to distrain where distress is lawful. None of those rights is waived by the sending of this letter.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"rent owing under a lease or tenancy agreement","type":"add","operator":"="}]},{"id":"a8aff294-7687-43e4-8eae-460f1d71ad03","order":31,"text":"The promissory note is payable in accordance with its terms and payment has been duly demanded. The Creditor holds the original note and will produce it. Every right of recourse against any maker, endorser or accommodation party is expressly reserved.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"a promissory note signed by the Debtor in favour of the Creditor","type":"add","operator":"="}]},{"id":"34955088-675d-4876-bd5c-4f3773dc2be8","order":32,"text":"The cheque was presented for payment in the ordinary course and was returned unpaid by the financial institution of the Debtor. The underlying obligation therefore remains wholly unsatisfied, and the Creditor claims in addition the bank charges incurred in consequence of the dishonour. The Creditor is no longer prepared to accept payment by uncertified cheque.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"a cheque issued by the Debtor and returned unpaid by the financial institution","type":"add","operator":"="}]},{"id":"794a4699-2952-46d4-9640-85d510f33eae","order":33,"text":"The damage was caused by the act, omission or default of the Debtor. The sum claimed represents the reasonable cost of repair or replacement, supported by the estimate or invoice relied upon, and the Creditor has taken all reasonable steps to mitigate its loss.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"12105871-7651-4c72-987a-c762a334cdde","value":"damage caused by the Debtor to the property of the Creditor","type":"add","operator":"="}]},{"id":"5b5c9fe1-7901-4368-9294-151c2acd8f7a","order":34,"text":"The particulars of the transaction giving rise to the Debt are set out below.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"99b9702c-c23f-4531-ad78-8e09e763ed1b","order":35,"text":"[Describe the goods, services, loan or agreement, and any relevant events]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"1a19f184-972c-4613-8375-b89accbc175b","order":36,"text":"The Creditor has previously requested payment of the Debt from the Debtor, the most recent request having been made on [Date of the most recent request]. Notwithstanding that request, the Debt remains outstanding.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"e3de2acb-f43f-42f7-bf24-58493404885d","value":"yes","type":"add","operator":"="}]},{"id":"f0fb90c9-cf4b-4b79-8be3-f43e4aa6bf9c","order":37,"text":"This letter constitutes the first formal demand made by the Creditor upon the Debtor in respect of the Debt.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"e3de2acb-f43f-42f7-bf24-58493404885d","value":"no","type":"add","operator":"="}]},{"id":"f4429e67-fe77-4995-8114-7b8347c54620","order":38,"text":"As at the date of this letter the Debt remains unpaid in whole or in part. Any set-off, counterclaim, defence or dispute that the Debtor may seek to assert is denied, and the Debtor is required to state it in writing, with particulars, within the time limited by this letter.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"30953b20-813e-4729-b406-f76971a8bbdd","order":39,"text":"3. PARTICULARS OF THE AMOUNT CLAIMED","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S03"},{"id":"30603665-35fe-47f4-8dda-1db2deb6b93d","order":40,"text":"The amount claimed is calculated as at the date of this letter as follows.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"5c3312e2-ac0f-453f-b31f-5c3059a61b21","order":41,"text":"Principal outstanding: $[Principal amount outstanding] CAD","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"5","cflou":false,"active":true},{"id":"5a53efed-43d2-42c4-8b9c-6aefb45e6e2d","order":42,"text":"The Debtor has paid $[Total payments received to date] CAD on account of the Debt. All such payments have been credited by the Creditor, and the principal figure stated above is the balance remaining after those credits.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"5","cflou":false,"active":true,"displayConditions":[{"field":"e5a65bab-34a4-445f-9355-1ed4fc047e2e","value":"yes","type":"add","operator":"="}]},{"id":"b7f98d26-13ee-454d-8447-58bd3602d3f4","order":43,"text":"Interest accrued to the date of this letter: $[Interest accrued to date] CAD","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"5","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"contractual","type":"add","operator":"="},{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"statutory","type":"add","operator":"="}]},{"id":"82c8817c-cacd-4412-afad-e6c0da458168","order":44,"text":"Total now due and payable: $[Total amount claimed] CAD","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"contractual","type":"add","operator":"="},{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"statutory","type":"add","operator":"="}]},{"id":"63f10927-6998-4a27-8ab2-03a10f2d33ee","order":45,"text":"Total now due and payable: $[Principal amount outstanding] CAD","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"none","type":"add","operator":"="}]},{"id":"1146d81a-ce59-46f5-8c80-3b4b0e53e70d","order":46,"text":"Interest continues to accrue on the Debt from the date of this letter until payment is received in full, together with any costs and disbursements recoverable at law.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"contractual","type":"add","operator":"="},{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"statutory","type":"add","operator":"="}]},{"id":"9f88652f-20a9-480c-bb7f-4326fc2d62e5","order":47,"text":"Costs and disbursements recoverable at law continue to accrue until payment is received in full.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"none","type":"add","operator":"="}]},{"id":"2aba7fed-15ac-454c-99fe-7d423469c5a5","order":48,"text":"The sums claimed include all federal and provincial sales taxes properly exigible on the transaction, and any tax remitted or to be remitted by the Creditor forms part of the Debt.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"fa617081-f5b4-4a5a-89d2-40167624ff53","order":49,"text":"4. INTEREST","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S04"},{"id":"b65fe9bd-e7fd-45e8-b00b-b19e2dea120c","order":50,"text":"Interest is payable on the Debt at the rate of [Annual interest rate] percent per annum, as agreed between the Creditor and the Debtor. That rate is expressed as a yearly rate in accordance with the requirements of the Interest Act (Canada), and interest continues to accrue at that rate, before and after judgment, until the Debt is paid in full.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"contractual","type":"add","operator":"="}]},{"id":"a1f6b722-961e-4816-acb8-fe3533fbd528","order":51,"text":"For greater certainty, no interest is claimed at a criminal rate within the meaning of section 347 of the Criminal Code (Canada).","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"contractual","type":"add","operator":"="}]},{"id":"1519f30a-2e7e-44f0-93dd-1848751a1020","order":52,"text":"No rate of interest having been fixed between the Creditor and the Debtor, the Creditor claims interest on the Debt at the rate of five percent (5%) per annum, that being the rate provided by section 3 of the Interest Act (Canada) where interest is payable by agreement or by law and no rate is fixed. In any proceeding the Creditor will claim prejudgment and postjudgment interest at the rates prescribed by the law of Ontario.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"statutory","type":"add","operator":"="}]},{"id":"bd1164e3-1f0b-454c-9f6d-c6822e8db594","order":53,"text":"The Creditor claims no contractual interest in this letter. The Creditor nevertheless reserves the right to claim prejudgment and postjudgment interest at the rates prescribed by the law of Ontario in any proceeding commenced to recover the Debt.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7a566847-eb9a-408f-a4b8-5c877e827b56","value":"none","type":"add","operator":"="}]},{"id":"00aaadd3-14f0-4a58-aa45-a3cc6440b3d7","order":54,"text":"The Creditor further claims the additional indemnity provided by article 1619 of the Civil Code of Québec.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7c12374f-2415-4d90-bc91-cb10bd7809f6","value":"Québec","type":"add","operator":"="}]},{"id":"7224ddd8-85e1-4da6-a4f5-ddad77b731c7","order":55,"text":"5. DEMAND FOR PAYMENT","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S05"},{"id":"1746df1e-45e1-4b05-928c-f5ba40c9dd75","order":56,"text":"The Creditor hereby demands payment of the total sum shown above, in full, on or before [Payment deadline] (the \"Payment Deadline\"). Time is of the essence.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"bc17c380-22e0-4f27-9b5b-2aa20829a5e6","order":57,"text":"Payment is to be made by certified cheque or money order payable to the Creditor and delivered to the address shown above, in Canadian dollars, quoting the reference given above, and must be received by the Creditor on or before the Payment Deadline.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"d62e8c97-30bb-41c3-ab02-073f8511db39","order":58,"text":"Payment of a lesser sum, whether or not tendered as payment in full, will not be accepted in satisfaction of the Debt unless the Creditor agrees in writing, and the Creditor reserves the right to apply any sum received in reduction of the Debt without prejudice to the claim for the balance.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"4b9005d6-39db-4da9-b524-f83056482a7a","order":59,"text":"Any sum received from or on behalf of the Debtor will be applied first to the costs and charges recoverable by the Creditor, then to interest accrued, and only then in reduction of the principal, unless the Creditor directs otherwise in writing.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"decafbad-6de4-498f-9807-57c4bb909c03","order":60,"text":"6. GUARANTEE","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"d45f9d17-7374-4bcc-ae7c-aa403ba70a41","value":"yes","type":"add","operator":"="}],"marginTop":"20","sectionNum":"S06"},{"id":"cbb9efed-6816-45b1-b2a3-5978b0800051","order":61,"text":"Payment of the Debt is guaranteed by [Full legal name of the guarantor], of [Street address], [City, province and postal code] (the \"Guarantor\"), under a guarantee dated [Date of the guarantee].","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"d45f9d17-7374-4bcc-ae7c-aa403ba70a41","value":"yes","type":"add","operator":"="}]},{"id":"a9804161-53dd-4ced-8155-d5d2abf09396","order":62,"text":"A copy of this letter is being delivered to the Guarantor, and demand is hereby made upon the Guarantor for payment of the Debt in accordance with the terms of the guarantee. The Creditor is not required to exhaust its recourses against the Debtor before proceeding against the Guarantor, except to the extent that the guarantee or the applicable law otherwise requires.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"d45f9d17-7374-4bcc-ae7c-aa403ba70a41","value":"yes","type":"add","operator":"="}]},{"id":"af909d37-67cd-4edf-92c1-38b5fb7c772b","order":63,"text":"7. CONSEQUENCES OF NON-PAYMENT","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S07"},{"id":"d2df665a-9c47-4102-aa7a-6d402ecd8d04","order":64,"text":"If payment in full is not received by the Payment Deadline, the Creditor intends to commence a civil proceeding to recover the Debt, without further notice to the Debtor, before the court of competent jurisdiction in Ontario, which may be the small claims court having jurisdiction over a claim of this amount.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"1dadee59-1f75-4d35-9f39-ea8c8d5345a3","order":65,"text":"In that proceeding the Creditor will claim the Debt, prejudgment and postjudgment interest, and the costs and disbursements of the proceeding, including the fees payable for the issuance and service of the claim, to the extent permitted by the applicable rules of court.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"81869db2-54f7-45b3-be16-e323a80473ab","order":66,"text":"If judgment is obtained, the Creditor may take any step of enforcement permitted by law, which may include the garnishment of wages, bank accounts and other debts owing to the Debtor, the seizure and sale of the property of the Debtor, the registration of the judgment against any interest of the Debtor in land, and an examination in aid of execution at which the Debtor may be required to answer under oath as to income, assets and liabilities.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"b40bf788-54b7-4cd0-89ee-f9680bdff15b","order":67,"text":"The Creditor may also refer this matter to a collection agency or to legal counsel, and may report the default to a credit reporting agency, in each case to the extent permitted by law. The costs of collection may be added to the amount claimed to the extent that they are recoverable.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"c1bcce8f-f258-40a9-bcb5-23049c8abf8e","order":68,"text":"8. DISPUTE, PAYMENT ARRANGEMENTS AND COMMUNICATIONS","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S08"},{"id":"69c95e92-4127-4337-aba0-3e9c9698503b","order":69,"text":"If the Debtor disputes the Debt in whole or in part, the Debtor must advise the Creditor in writing before the Payment Deadline, stating the grounds of the dispute and enclosing a copy of any document relied upon. Silence or inaction may be relied upon by the Creditor in any subsequent proceeding.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"672d3ac4-f778-4903-a0d1-666a10809a80","order":70,"text":"The Creditor is prepared to consider a reasonable written proposal for payment of the Debt by instalments. Any such proposal must be received before the Payment Deadline and will be considered without prejudice to the rights of the Creditor. No proposal binds the Creditor unless it is accepted by the Creditor in writing.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"1c667306-a651-48f5-8cca-e38d7b3b286a","value":"yes","type":"add","operator":"="}]},{"id":"6bf998b0-0724-4804-ade1-5f787addedf8","order":71,"text":"The Creditor requires payment of the Debt in full by the Payment Deadline and is not, at this time, prepared to accept payment by instalments.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"1c667306-a651-48f5-8cca-e38d7b3b286a","value":"no","type":"add","operator":"="}]},{"id":"865fdff0-8624-48dd-b582-929c9f745cee","order":72,"text":"All communications concerning this matter are to be directed to the Creditor at the address, telephone number or email address shown at the head of this letter, quoting the reference given above.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"f0121d7c-d823-4b4f-86b6-18aa3346b339","order":73,"text":"If the Debtor is represented by a lawyer in this matter, this letter is to be given to that lawyer without delay, and the lawyer is asked to contact the Creditor before the Payment Deadline.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"9fe0a561-72f0-4cde-a9f7-65428f021d2c","order":74,"text":"9. RESERVATION OF RIGHTS AND EFFECT OF THIS LETTER","fontSize":"16","textAlign":"left","bold":true,"underline":false,"marginBottom":"10","cflou":false,"active":true,"marginTop":"20","sectionNum":"S09"},{"id":"5c7f779e-65b7-4192-aaa2-b9a4dc6cfc3c","order":75,"text":"This letter constitutes a formal demand (mise en demeure) within the meaning of articles 1594 and following of the Civil Code of Québec, and the Debtor is by these presents put in default by extrajudicial demand.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7c12374f-2415-4d90-bc91-cb10bd7809f6","value":"Québec","type":"add","operator":"="}]},{"id":"08942bb2-339f-4d11-b685-864ae93a7948","order":76,"text":"This letter constitutes formal notice and demand for payment for all purposes, including the accrual of interest, the assessment of costs and the computation of any period of grace or notice.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7c12374f-2415-4d90-bc91-cb10bd7809f6","value":"Québec","type":"remove","operator":"="}]},{"id":"3f17dd05-4837-410c-8607-c733b3ad6335","order":77,"text":"No forbearance, delay or indulgence on the part of the Creditor operates as a waiver of any right or remedy, all of which are expressly reserved. Nothing in this letter limits the right of the Creditor to claim any further or other sum found to be owing, together with damages, interest and costs.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"07550364-90f3-4ad4-9d9f-0bd20db34083","order":78,"text":"Nothing in this letter is intended as, or is to be construed as, a threat of criminal or quasi-criminal proceedings, and no such proceeding is threatened by the Creditor in support of this civil claim.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"583caccb-3085-4b71-8165-1cebe013f080","order":79,"text":"The Creditor may assign or transfer the Debt, together with the benefit of any guarantee or security, in which case this demand enures to the benefit of the assignee.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"5f392be0-6ff7-4da2-b3c5-29fca999b2b5","order":80,"text":"This letter is delivered to the last address of the Debtor known to the Creditor. A change of address does not affect the obligation of the Debtor to pay the Debt.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"bd1dea05-9cb7-483c-8683-09be45b3f406","order":81,"text":"The Debtor may obtain a French version of this letter on request, without charge.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"7c12374f-2415-4d90-bc91-cb10bd7809f6","value":"Québec","type":"add","operator":"="}]},{"id":"99f473e5-3bff-441f-a239-e4cf22a0a788","order":82,"text":"The Debt and this demand are governed by the law of Ontario and the laws of Canada applicable in that province or territory.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"b752be70-f133-4208-8af9-96c94bf7aa53","order":83,"text":"A limitation period applies to the recovery of the Debt and the Creditor intends to protect its position accordingly. Neither this letter, nor any discussion or negotiation between the parties, extends, suspends or waives any limitation period. If the Debt is not disputed, the Creditor invites the Debtor to say so in writing.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"7e1f34a4-85e2-429f-acd2-47398bf926c9","order":84,"text":"Nothing in this letter is to be taken as legal advice to the Debtor, who should consult a lawyer without delay if in any doubt as to the position.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true},{"id":"abf11455-6c76-45fa-9932-cc14c47de7e4","order":85,"text":"The Creditor trusts that this matter can be resolved without recourse to litigation and awaits payment in accordance with this letter.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true},{"id":"2ea618fd-26e1-449d-b33a-6e4009608966","order":86,"text":"Govern yourself accordingly.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"30","cflou":false,"active":true},{"id":"118c17ca-21bc-4c6e-a4a3-590de006fa0a","order":87,"text":"Yours truly,","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"50","cflou":false,"active":true},{"id":"5e866099-d7ea-40b2-90d6-5fd049203dec","order":88,"text":"[Your full legal name]","fontSize":"14","textAlign":"left","bold":true,"underline":false,"marginBottom":"20","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"individual","type":"add","operator":"="}]},{"id":"0ea08072-2baa-4c6c-9688-3efff3c84faa","order":89,"text":"[Name of the person signing]
[Title or position]
for [Legal name of your business]","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"20","cflou":false,"active":true,"displayConditions":[{"field":"a326ba10-5928-4bfd-97b8-ee91fb910e51","value":"business","type":"add","operator":"="}]},{"id":"690fd49f-f2a7-4a75-a273-680333e9aaa9","order":90,"text":"Enclosures: copies of the documents relied upon by the Creditor in support of the Debt.","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true},{"id":"56749a32-6a70-440a-abfc-096aa7f1e5c8","order":91,"text":"cc: [Full legal name of the guarantor], Guarantor","fontSize":"14","textAlign":"left","bold":false,"underline":false,"marginBottom":"10","cflou":false,"active":true,"displayConditions":[{"field":"d45f9d17-7374-4bcc-ae7c-aa403ba70a41","value":"yes","type":"add","operator":"="}]}]