Who is Agueci Calabretta?

Agueci Calabretta is a Toronto boutique law firm founded in 1983 that specializes in debtor/creditor law, with a strong emphasis on mortgage enforcement. It acts for many financial institutions — including Schedule A banks, trust companies, credit unions and mortgage lenders — on mortgage enforcement, unsecured debt enforcement and creditors’ rights.

Why would a mortgage-enforcement firm contact me?

Because a lender has likely referred your account. Mortgage enforcement can lead to power of sale under the Mortgages Act, which does not require a lawsuit and moves on short timelines. Unsecured debt enforcement, by contrast, proceeds by lawsuit and judgment.

Is a letter the same as being sued?

No. A letter is not a lawsuit, and a power-of-sale process is not a lawsuit either — it begins with a Notice of Sale. A debt lawsuit begins with a court-issued Statement of Claim. Knowing which document you have determines your deadline.

What should I do first?

Identify the document, avoid admitting a debt in writing, ask for proof of the debt or the default, and seek advice quickly — especially for a mortgage matter, where redemption periods are short.

If a firm has contacted you

Contacted by Agueci Calabretta About a Debt or Mortgage in Ontario?

Reviewed by Angelos Spingos, Principal Lawyer, Spingos Law · Licensed by the Law Society of Ontario · Last reviewed July 28, 2026

Agueci Calabretta is a boutique firm whose specialty — mortgage enforcement and debtor/creditor law — puts it squarely in the space that affects homeowners most. If they have contacted you, here is what that likely means and how to protect your position.

Who Agueci Calabretta is

Agueci Calabretta is a Toronto boutique law firm founded in 1983 that concentrates on debtor/creditor law, with a particular emphasis on mortgage enforcement. By its own account it acts for many of Canada’s financial institutions — including Schedule A banks, trust companies, credit unions and mortgage lenders — on mortgage enforcement, unsecured debt enforcement and creditors’ rights.

Mortgage enforcement vs. a debt lawsuit

Mortgage / power of sale. If your mortgage is in default, the lender can proceed under the Mortgages Act — a Notice of Sale and a short redemption period — without suing first. This is fast.
Unsecured debt. For other debts, the route is a lawsuit, judgment, and then enforcement such as a writ against your home.

A Notice of Sale means a redemption clock — often about 35 days — is already running. Do not wait to see what happens; that is exactly the window in which a home can most often still be saved.

Your options

Reinstate the mortgage by paying the arrears and costs within the redemption period, if you can.
Refinance or sell on your own terms before a forced sale erodes your equity.
Dispute an unsecured claim — the amount, the ownership, or the limitation period.
Get advice immediately — mortgage timelines are unforgiving.

Frequently asked questions

Who is Agueci Calabretta?: Agueci Calabretta is a Toronto boutique law firm founded in 1983 that specializes in debtor/creditor law, with a strong emphasis on mortgage enforcement. It acts for many financial institutions — including Schedule A banks, trust companies, credit unions and mortgage lenders — on mortgage enforcement, unsecured debt enforcement and creditors’ rights.
Why would a mortgage-enforcement firm contact me?: Because a lender has likely referred your account. Mortgage enforcement can lead to power of sale under the Mortgages Act, which does not require a lawsuit and moves on short timelines. Unsecured debt enforcement, by contrast, proceeds by lawsuit and judgment.
Is a letter the same as being sued?: No. A letter is not a lawsuit, and a power-of-sale process is not a lawsuit either — it begins with a Notice of Sale. A debt lawsuit begins with a court-issued Statement of Claim. Knowing which document you have determines your deadline.
What should I do first?: Identify the document, avoid admitting a debt in writing, ask for proof of the debt or the default, and seek advice quickly — especially for a mortgage matter, where redemption periods are short.

Sources

Firm practice description: Agueci Calabretta (public website) · Ontario Mortgages Act · Rules of Civil Procedure · Execution Act. General information for Ontario, not legal advice; not affiliated with or endorsed by the firm named.