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Disclaimer

Last updated: June 29, 2026

Please read this disclaimer carefully before using missedmortgagepayments.ca or contacting us about your situation. Your use of this website constitutes acceptance of these terms.

Not a law firm

Missed Mortgage Payments is not a law firm and does not provide legal advice. The information on this website is general in nature and does not constitute legal advice for any specific situation. Before signing any contract or making any decision that affects your legal rights, you should consult a licensed lawyer in your province.

Not a financial advisor or credit counsellor

We do not provide financial planning, investment advice, debt counselling, or credit counselling services. We are not registered or licensed as a financial advisor, mortgage broker, insolvency trustee, or credit counsellor. For independent financial advice, we recommend speaking with a non-profit credit counsellor (a directory is available at canada.ca) or a licensed financial professional.

Not a lender or bank

We are not a lender, bank, or mortgage company. We do not provide loans, refinancing, or other lending products. When we refer to "refinancing" or "private lender" options, we mean introductions to licensed mortgage brokers and private lenders, with whom we have no compensation arrangement that affects your terms.

Not a government agency or charity

We are not affiliated with, endorsed by, or operating on behalf of any government agency, the Canada Mortgage and Housing Corporation (CMHC), any provincial housing authority, or any registered charity. We are a private commercial entity.

Information is general only

Foreclosure law varies significantly by province. Alberta, Saskatchewan, Manitoba, and Quebec use a judicial-foreclosure framework. Ontario, British Columbia, and the Atlantic provinces typically use power-of-sale procedures. Quebec adds civil-law notary requirements. The information on this website is meant to give you a general orientation only and should not be relied upon for any specific case without consulting a lawyer in your province.

No guarantee of outcomes

Every homeowner's situation is unique. We do not guarantee that any specific outcome — stopping a foreclosure, achieving a certain sale price, securing a refinance, preserving credit — will be possible in your case. Past results in other situations are not indicative of future results in yours.

Testimonials and case studies

Any testimonials, case studies, or success stories on this website (or in our marketing materials) reflect the experience of specific individuals and may not be typical. Names and identifying details may be changed for privacy. Results vary based on individual circumstances and market conditions.

Commercial transaction notice

If you choose to sell your property to us or enter into a financing arrangement with us, that transaction is a private, arm's-length commercial contract between you and us. We earn a return on our capital from these transactions; that economic interest is disclosed. We strongly encourage you to have your own independent legal counsel review any agreement before you sign.

Time-sensitive nature of foreclosure

Foreclosure processes have firm legal deadlines. Decisions you make (or fail to make) within those deadlines can have permanent consequences. Acting quickly improves your options. However, "acting quickly" never means "acting without advice." If anyone — including us — pressures you to sign a contract on the same day you first speak with them, that is a red flag.

External links

This website contains links to external resources (Government of Canada, non-profit organizations, and others) for your convenience. We have no control over those websites and are not responsible for their content, privacy practices, or accuracy.

We strongly recommend you

Limitation of liability

To the maximum extent permitted by law, Missed Mortgage Payments, its owners, and its operators are not liable for any indirect, incidental, consequential, or special damages arising from your use of this website or any decision made based on its content. This limitation does not affect any rights you may have under applicable consumer protection law that cannot be waived.

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