What costs do I face if I lose in small claims court?
In Ontario, you can be ordered to pay the other side's representation fee (up to 15% of their claim) plus their disbursements. Costs awards in small claims are limited — you won't face large legal bills like in Superior Court.
How accurate is win probability estimation?
It's subjective — be honest with yourself. If you have strong documentary evidence, a written contract, and clear damages, 70–80% is reasonable. If it's your word against theirs, 50% is more realistic.
Does settling affect my credit or record?
No. A settlement is a private agreement. Only a court judgment (if you lose and don't pay) can appear on credit reports through collections. Settlements are generally confidential.