Christensen Law Firm
1 lawyer · Waterloo Region
One of 42 law firms listed in Cambridge, and one of 17 handling Civil Litigation & Dispute Resolution.
About Christensen Law Firm
Christensen Law Firm is a Cambridge, Ontario practice built around one job: recovering money for creditors. Todd Christensen founded it in 1993, when contingency-fee collections were the business of collection agencies rather than law firms, and set out to bring a law firm's tools to that work. The firm proved the approach early with the Bank of Nova Scotia. It now takes files from banks and from smaller credit grantors that don't usually get law-firm attention, and it handles them the same way.
The work is contingency-based, so a client pays no fee unless the firm recovers money, plus out-of-pocket disbursements. A file usually opens with a law-firm demand letter and a follow-up call, with room for a voluntary payment plan or a settlement when a debtor can't pay in full. If that doesn't resolve it, the firm sues, obtains judgment, and enforces it, through wage or bank garnishment, a writ of seizure and sale, or a court-supervised sale of real estate. The firm describes its style as recovering debts respectfully rather than through pressure, and several of its own collection files have produced reported court decisions on what creditors can recover and how judgments get enforced.
Practice areas
Milestones & recognition
- Todd Christensen founded the firm in 1993, at a time the firm says only collection agencies collected debt on a contingency-fee basis, and proved the law-firm approach with the Bank of Nova Scotia.
- In 2003 the firm rebuilt its collections process in partnership with Collectrite Ontario (SW86) Inc., a collection agency, folding agency-style efficiencies into a law firm's process.
- In Capital One Bank v. Matovska (2007), the Ontario Divisional Court held that creditors can recover pre-proceeding collection expenses agreed to in a credit contract; the firm reports later Divisional Court decisions, including Capital One v. Toogood (2013 ONSC 5440), affirming the point.
- The firm reports acting in Small Claims cases, beginning with Sears Canada Bank v. Rice (2008), that allowed contested trials to proceed on affidavit evidence without live witnesses.
- In Canaccede International Acquisitions Ltd. v. Abdullah (2015), the firm used a court-supervised MLS sale of real estate to enforce a judgment in place of a sheriff's sale.
Good to know
Wheelchair accessibleFees & payment
ContingencyWho handles what
The neighbourhood
The office is at 6616 Ellis Road in Hespeler, the most northeastern of the communities (Galt, Preston, Hespeler, and Blair) that were joined to form Cambridge in 1973. Hespeler grew up around the Speed River, and Highway 401 is one of the main routes through the city. That road access suits the kind of work done here better than a downtown address would. The firm isn't chasing walk-in clients; it's taking creditor files and pursuing judgments in whatever Ontario court the debtor and the assets happen to be in, then enforcing them against wages, bank accounts, or real estate. So the setting is a business address on a well-connected corridor rather than a storefront on a main street.
Frequently asked questions
- What does Christensen Law Firm do?
- It's a debt collection practice that works for creditors. The firm recovers unpaid debts through demand letters and negotiation first, then litigation and judgment enforcement when a debtor won't pay voluntarily.
- How does the firm charge for a collection file?
- On contingency. You pay no fee unless the firm recovers money for you, plus out-of-pocket disbursements, so there's no hourly bill.
- Can the firm handle collections for a small business or a smaller creditor?
- Yes. The firm built its process working for banks, and it now offers the same law-firm collections service to smaller credit grantors that don't usually get it.
- What happens if a debtor ignores the demand letter?
- The firm can sue, obtain a judgment, and enforce it. That can mean garnishing wages or a bank account, registering a writ of seizure and sale against real estate, or forcing a sale of property.
- Does the firm try to settle, or does every file go to court?
- It starts by giving the debtor a chance to clear the debt voluntarily, and it will arrange a payment plan or a reduced settlement where someone genuinely can't pay in full. Litigation comes when that doesn't work.
- Where is the firm, and how do I reach it?
- It's at 6616 Ellis Road in the Hespeler part of Cambridge, Ontario, and the local number is 519-654-7350.
Where to find them
6616 Ellis Road, Cambridge, Ontario, N3C 2V4 · 519-654-7350
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