International Students & Frequently Asked Questions

September 26th, 2022  |  Immigration Law

I am in Canada studying as an International Student, and want to stay here after graduation. What programs are available for me? There are many pathways to permanent residency for international student graduates in Canada. Students can apply through local, provincial or federal programs depending on where you are living and where you are working. […]

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Are rental items really worth it?

July 25th, 2022  |  Real Estate

Our office is getting many calls lately about rental hot water tanks, rental furnaces, and rental air conditioning units, and the notices of security on such items. The headaches these rental contracts cause is increasing exponentially! It used to be that only bigger ticket rental items like furnaces and air conditioner units would have security […]

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How do I sue someone?

June 20th, 2022  |  Uncategorized

So, you think you have a claim? Maybe that’s because you read our previous post; “Do I Have a Claim?” Alright… what do you do from here? Step 1 Review your documents, and review them again. If you have specific documents, like a contract, that apply to your claim, you have to review them. This […]

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Do I Have a Claim?

June 6th, 2022  |  Civil Litigation

It depends. (Yes, we’re lawyers.) If you’ve broken your ankle after a slip-and-fall at a grocery store, for example, you can sue the party that had care and control of the premises and who owed you a duty to take reasonable care to keep you safe while on the premises. If you’ve entered into a […]

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Medical Malpractice In Thunder Bay

March 23rd, 2022  |  Civil Litigation

Medical malpractice (or medical negligence) is a complex area of the law.   Negligence, by definition, is a civil tort (or a civil wrong). Patients that have been injured as a result of negligent medical care can bring lawsuits against physicians (or nurses, hospitals and/or other medical practitioners) to recover compensation for such injuries in […]

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Long-Term Disability Denials – Part 2 of 2

January 24th, 2022  |  Civil Litigation

Let’s pick up where we left off last time, when we were talking about the test of Total Disability and, specifically, what usually happens after 2 years of injury or illness onset…   After the 2-year mark, the definition or test for entitlement (usually) changes from one involving an insured’s ability to perform the essential […]

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Long-Term Disability Denials – Part 1 of 2

January 13th, 2022  |  Civil Litigation

“Your claim for Long-Term Disability benefits has been denied…”   Why?   “… because [we, the insurer] have determined that you do not meet the definition of Total Disability as stated in your policy [of insurance].”   Let’s briefly unpack this…   “Total Disability” is a defined term in a policy of insurance. Your policy […]

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You Slipped and Fell… Now What?

January 7th, 2022  |  Civil Litigation

Consider the following scenario.   You’ve been hurt. You slipped and fell in the middle of winter, just as you were about to enter the store you planned on visiting that day. You have gone to the Emergency Department of the local hospital and were seen by a nurse and then the on-call physician. The […]

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Porting your Mortgage

August 3rd, 2021  |  Real Estate

Now and again, a client at de Bakker & de Bakker is unpleasantly surprised about the penalty they must pay to their lender to break their mortgage early upon selling. This penalty will vary based on your lender and the terms of your loan. If you have a five-year fixed-term mortgage and you sell your […]

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Are your Beneficiary Designations up to date?

June 30th, 2021  |  Estate Planning

Michael consulted us recently after his father’s death. Michael was an only child, and his parents divorced when Michael was still quite young. Michael was his father’s closest relative and he thought he would inherit his father’s estate, which consisted of an RRSP worth $200,000 and a bank account worth $50,000. Unfortunately, when Michael’s father […]

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