Chaitons LLP is a Toronto-based multi-practice law firm with a substantial lending, recovery and creditor-enforcement practice. According to its own materials, it acts for financial-services clients in loan-recovery and insolvency matters and appears before all levels of court in Ontario.

Does a letter from Chaitons mean I am being sued?

Not necessarily. A demand or collection letter is not a lawsuit. You are sued only when served with a court-issued Statement of Claim or Plaintiff’s Claim bearing a court file number, at which point you generally have 20 days to respond in Ontario.

Can this affect my home?

Only through the courts and over time. A creditor must obtain a judgment and register a writ of seizure and sale before a home is at risk. Responding before judgment is what keeps a debt from reaching your title.

Determine whether you received a letter or a court claim, avoid admitting the debt in writing, ask for proof the creditor owns and correctly calculated it, and get legal advice before any judgment is entered.

If a firm has contacted you

Contacted by Chaitons LLP About a Debt in Ontario?

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

Contact from an established law firm about a debt is a signal to respond promptly — not to panic. Here is who Chaitons LLP is, what their involvement typically means, and how an Ontario homeowner should approach it.

Who Chaitons LLP is

Chaitons LLP is, per its own public materials, a Toronto-based multi-practice law firm with a substantial lending, recovery and creditor-enforcement practice. It is well known among financial-services clients for loan-recovery and insolvency work and has appeared before all levels of court in Ontario. As a law firm, it can commence litigation and enforce a judgment.

What their involvement usually means

When a creditor engages outside counsel, the file is typically being prepared for possible litigation if it is not resolved. That can begin with correspondence and proceed to a Statement of Claim. A demand letter carries no court deadline; a served claim does.

Check for a court file number and seal. If the document has them, the Ontario clock — generally 20 days to respond — has already started.

The path from a debt to your home

Demand — letters and calls; no deadline yet.
Lawsuit — you are served; the 20-day clock starts.
Judgment — the court orders payment, often by default.
Enforcement — garnishment, or a writ of seizure and sale registered against your home.

Your options

Require proof of the debt — ownership of the account and the correct amount.
Check the two-year limitation period — older debts may be defensible, but only if you raise it.
Explore settlement — often possible for less than claimed, and easier before judgment.
Act before a writ reaches your title — your leverage is greatest early.

Frequently asked questions

Who is Chaitons LLP?: Chaitons LLP is a Toronto-based multi-practice law firm with a substantial lending, recovery and creditor-enforcement practice. According to its own materials, it acts for financial-services clients in loan-recovery and insolvency matters and appears before all levels of court in Ontario.
Does a letter from Chaitons mean I am being sued?: Not necessarily. A demand or collection letter is not a lawsuit. You are sued only when served with a court-issued Statement of Claim or Plaintiff’s Claim bearing a court file number, at which point you generally have 20 days to respond in Ontario.
Can this affect my home?: Only through the courts and over time. A creditor must obtain a judgment and register a writ of seizure and sale before a home is at risk. Responding before judgment is what keeps a debt from reaching your title.
What should I do?: Determine whether you received a letter or a court claim, avoid admitting the debt in writing, ask for proof the creditor owns and correctly calculated it, and get legal advice before any judgment is entered.

Sources

Firm practice description: Chaitons LLP — Creditor and Debtor Disputes (public website) · Ontario Rules of Civil Procedure · Execution Act · Limitations Act, 2002. General information for Ontario, not legal advice; not affiliated with or endorsed by the firm named.