Milan

I was a Bank Manager at Canada Permanent Trust in ’81. I’ve signed the notices you’re receiving. When that 35-day ‘Notice of Sale’ hits your door, the bank stops asking for your missed payments—they want the entire million-dollar balance. If you don’t have it, they take the house. But there’s a ‘Banker’s Secret’ in the Mortgages Act called Section 22. It’s your only shield. I’m showing you how to use it in Episode 2

In 1977, I handled my first Power of Sale at Avco Finance. Back then, people thought they had months to pay. They were wrong. In Ontario, 2026, the law hasn’t changed—it’s just gotten faster. You have exactly 15 days of default before the bank can pull the trigger. No judge, no trial, just a notice in your mailbox. If you’re at Day 10, you’re already out of time. Watch the full episode to see how to freeze the clock.