Search loan contracts, default disputes, security interests, guarantees, creditor remedies, and more — backed by real case law.
Lending disputes affect individuals and businesses facing default, enforcement, or unfair lending practices. Casey searches millions of court decisions to surface real rulings on loan agreements, security interests, and creditor remedies, so you can understand how courts have handled debt-related conflicts like yours.
Lending disputes affect individuals and businesses facing default, enforcement, or unfair lending practices. Casey searches millions of court decisions to surface real rulings on loan agreements, security interests, and creditor remedies, so you can understand how courts have handled debt-related conflicts like yours.
Real Scenarios
1
Loan Default & Acceleration Clauses
When borrowers default, lenders may accelerate the entire loan balance. Disputes arise over whether default actually occurred, whether notice was properly given, and whether the borrower had a right to cure.
Prompt:
“What cases challenged a lender's right to accelerate a loan after alleged default?”
Casey retrieves decisions analyzing default notice requirements, cure periods, good faith obligations, and the enforceability of acceleration clauses in lending agreements.
2
Personal Guarantees & Guarantor Liability
Guarantors often do not fully appreciate the scope of their obligations until the borrower defaults. Defences may include material changes to the loan, lack of independent legal advice, or undue influence.
Prompt:
“What defences have guarantors successfully raised to avoid liability on personal guarantees?”
Casey surfaces rulings examining material alteration defences, independent legal advice requirements, unconscionability arguments, and the limits of continuing guarantee obligations.
3
Security Interests & Priority Disputes
Lenders register security interests against borrowers' assets under personal property security legislation. Priority disputes between competing creditors depend on timing of registration and the type of collateral.
Prompt:
“How have courts resolved priority disputes between secured creditors under PPSA legislation?”
Casey returns decisions analyzing registration priority rules, purchase money security interest exceptions, subordination agreements, and the treatment of proceeds.
4
Unconscionable Lending & Interest Rates
Borrowers in vulnerable situations may face predatory lending terms, excessive interest rates, or unfair contract provisions. Courts can intervene to set aside unconscionable lending agreements.
Prompt:
“What cases set aside loan agreements as unconscionable due to excessive interest rates?”
Casey retrieves rulings analyzing the Criminal Code interest rate provisions, unconscionability tests, inequality of bargaining power, and relief granted to vulnerable borrowers.
5
Demand Loans & Reasonable Notice
Demand loans allow lenders to call the full balance at any time, but courts have imposed requirements for reasonable notice. What constitutes reasonable notice depends on the borrower's circumstances.
Prompt:
“How much notice must a lender give before demanding repayment of a demand loan?”
Casey surfaces decisions analyzing reasonable notice periods, commercial reasonableness standards, borrower reliance factors, and the duty of good faith in demand loan enforcement.
6
Creditor Remedies & Enforcement
When borrowers fail to repay, creditors pursue remedies including seizure, receivership, and garnishment. The available options depend on the type of security, the debtor's assets, and applicable legislation.
Prompt:
“What remedies have courts approved for creditors enforcing security against defaulting borrowers?”
Casey returns rulings analyzing appointment of receivers, power of sale procedures, garnishment orders, and the commercially reasonable disposition of seized collateral.
Real Scenarios
When borrowers default, lenders may accelerate the entire loan balance. Disputes arise over whether default actually occurred, whether notice was properly given, and whether the borrower had a right to cure.
Prompt:
“What cases challenged a lender's right to accelerate a loan after alleged default?”
Casey retrieves decisions analyzing default notice requirements, cure periods, good faith obligations, and the enforceability of acceleration clauses in lending agreements.
Under Canada's Criminal Code, charging an effective annual interest rate above 60% is a criminal offence — and courts have found creative fee structures and penalties can push otherwise modest-looking loans past this threshold.
Ask Casey your question and get answers backed by real case law — free for the public, powerful for professionals.