What this costs
Nothing up front. Nothing during. A fee applies only if money is actually recovered and reaches you — and if nothing is recovered, you owe nothing.
You pay nothing up front, nothing during, and nothing at all unless money is actually recovered and reaches you.
If a fee ever applies, it is 6.5% of what you actually received — agreed in writing, in advance, before any work begins.
When money does and does not change hands
There is exactly one point at which anything is payable, and it comes after you have been paid — never before.
Registering and choosing a time costs nothing. We call you at the time you picked.
We work through what happened, who needs to hear about it, and what your realistic options are. Free, whether or not you go any further with us.
If there is nothing worth pursuing, we tell you so and that is the end of it. You owe nothing. We would rather say that than take on a case that cannot go anywhere.
No retainer, no deposit, no hourly billing, no administrative charges, no disbursements billed to you as we go.
Only once recovered money is in your hands does an agreed fee become payable, taken as a share of what you actually received. If nothing is recovered, there is no fee.
A fee after recovery is not the same as a recovery scam
This is the most important thing on this page. Recovery-room fraud works by taking money before anything is recovered. The timing is what separates a legitimate arrangement from a scam — not the existence of a fee.
| Test | Legitimate arrangement | Recovery-room fraud |
|---|---|---|
| When you are asked to pay | Only after recovered funds have reached your own account. | Before anything is recovered — that is the entire mechanism. |
| What the payment comes from | A share of money you have already received. | Your own remaining savings, or new borrowing. |
| Whether it is in writing | A written agreement signed before any work starts, stating the rate. | Verbal, urgent, and the amount changes as you go. |
| What happens if nothing is recovered | You owe nothing. | You have already paid, and are then asked for more. |
| How they react to questions | Answers them, in writing, and encourages you to take advice. | Pressure, deadlines, and discouragement from telling your bank or family. |
The one-line test to remember
If anyone — including someone claiming to be us — asks you to pay before recovered money has reached your own account, it is fraud.
Report it to the Canadian Anti-Fraud Centre at 1-888-495-8501. That rule holds no matter how convincing the story, how official the paperwork looks, or how urgent the deadline sounds.
What we will never charge you for
- A fee to book, or to attend your appointment
- A retainer, deposit or advance of any kind
- A "release fee", "unlocking fee", "bond", or "tax" to free up funds
- Payment in cryptocurrency, gift cards, or by e-transfer to an individual
- Any payment at all before recovered money has reached you
Before any fee can apply
You get a written agreement setting out the rate, what counts as a recovery, and how the fee is calculated. You sign it before any work begins. Nothing is payable on a handshake or a phone call.
You can stop at any point. If you walk away before funds are recovered, you owe nothing — there is no cancellation charge and no bill for time spent.
We will always tell you when we think a case is not worth pursuing, even though that means no fee for us. An arrangement that only pays on success is worth nothing to you if we take on cases that cannot succeed.
Everything is in writing before you commit
You will have the agreement in front of you, in writing, before anything starts. Take as long as you need with it, ask us anything about it, and have anyone you trust read it over. We would rather answer questions now than have you agree to something you were not sure about.
It sets out the rate, what counts as a recovery, and how the fee is calculated — and you can walk away at any point before funds are recovered, owing nothing.