Who is Harrison Pensa LLP?

Harrison Pensa LLP is a full-service law firm based in London, Ontario. Its Integrated Recovery Services group performs secured and unsecured collection work for creditors such as Schedule A financial institutions, auto-finance companies and private corporations, on a national service model run from Ontario.

Is a letter from Harrison Pensa a lawsuit?

No. A collection or demand letter is not a lawsuit and has no court deadline. You are sued only when served with a court-issued Statement of Claim or Plaintiff’s Claim carrying a court file number, at which point the Ontario response deadline is generally 20 days.

Can they put a lien on my home?

Only after suing and winning. A creditor must obtain a judgment and then register a writ of seizure and sale, which becomes a lien on your property. That is why responding during the lawsuit stage — before judgment — matters so much for homeowners.

What should I do first?

Determine whether you received a letter or an actual court claim, avoid acknowledging the debt in writing, ask for proof the creditor owns and correctly calculated it, and seek legal advice before any judgment.

If a firm has contacted you

Contacted by Harrison Pensa 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

If a recovery-focused law firm is pursuing a debt you owe, the situation is serious but far from hopeless. Here is who Harrison Pensa LLP is, what their contact typically means, and the steps an Ontario homeowner can take to protect their equity.

Who Harrison Pensa LLP is

Harrison Pensa LLP is, according to its own public materials, a full-service law firm based in London, Ontario. Its Integrated Recovery Services group carries out secured and unsecured collection work — on fixed-fee and contingency terms — for creditors including Schedule A financial institutions, American financial institutions, auto-finance companies and private corporations, using a national service model coordinated from Ontario.

In other words, this is a firm that lenders retain specifically to recover debts. That is a lawful and common role — and it means the file should be treated as one that can proceed to court, not just another letter.

What contact from them usually means

Referral to a recovery practice generally signals that a lender intends to pursue the debt seriously. The process often opens with correspondence and can move to a Statement of Claim if the matter is not resolved. Knowing which stage you are at determines how much time you have.

A court-issued claim (with a file number and seal) starts a strict 20-day Ontario deadline. A demand letter does not. Confirm which you are holding before doing anything else.

How the process can reach 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 as a lien on your property.

Your options

Require proof of the debt — who owns it and whether the amount is right.
Consider the two-year limitation period — older debts may not be enforceable.
Negotiate a resolution — frequently for less than claimed, and easier before judgment.
Act before a writ is registered — your leverage is greatest while you still control the property.

Frequently asked questions

Who is Harrison Pensa LLP?: Harrison Pensa LLP is a full-service law firm based in London, Ontario. Its Integrated Recovery Services group performs secured and unsecured collection work for creditors such as Schedule A financial institutions, auto-finance companies and private corporations, on a national service model run from Ontario.
Is a letter from Harrison Pensa a lawsuit?: No. A collection or demand letter is not a lawsuit and has no court deadline. You are sued only when served with a court-issued Statement of Claim or Plaintiff’s Claim carrying a court file number, at which point the Ontario response deadline is generally 20 days.
Can they put a lien on my home?: Only after suing and winning. A creditor must obtain a judgment and then register a writ of seizure and sale, which becomes a lien on your property. That is why responding during the lawsuit stage — before judgment — matters so much for homeowners.
What should I do first?: Determine whether you received a letter or an actual court claim, avoid acknowledging the debt in writing, ask for proof the creditor owns and correctly calculated it, and seek legal advice before any judgment.

Sources

Firm practice description: Harrison Pensa LLP — Integrated Recovery Services (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.