1. Reply to the Notice of Claim
This is the single-most important thing you can do – reply to the notice of claim! Whatever your financial situation, however you arrived at this point, the one thing you shouldn’t do is ignore the claim. Where possible, you should seek legal advice, either on your own or by contacting a Legal Aid organization in your province.
If you don’t respond within the allotted time frame (usually 14 to 21 days) in the appropriate way, the claimant (company or person who sued you) can get what is called a default judgment. A default judgment can lead to garnishment of your income or a lien against your property without further notice to you.
Usually the documents you received should also include the documents you need to file a response, as well as a guide to completing those forms. If you cannot find those documents, contact the court directly and ask how to file a response. Please make sure you’re contacting the correct court!