This is a real example of a Statement of Claim issued in Ontario for a mortgage in default, with personal details redacted. A Statement of Claim starts a court action — in a power of sale proceeding it typically claims the mortgage debt and possession of the property. From the day you are served you generally have 20 days to file a Statement of Defence before the lender can ask the court for default judgment. The pages below show how the claim, the amounts owing, and the deadlines appear.
If you have been served with a document like this, read Should I File a Statement of Defence for My Mortgage?
A Statement of Claim is issued through the Ontario Superior Court of Justice and, unlike the Notice of Sale that usually precedes it, starts a formal lawsuit with court deadlines. Missing the 20-day response window lets the lender obtain default judgment, which speeds up eviction and sale considerably. The claim in this example seeks both the debt and possession — the standard combination in power of sale actions. Filing a Statement of Defence, even a simple one, buys time to arrange refinancing or a sale.
