LandlordEzy

Tenant on ODSP — can you actually collect rent arrears after a successful L1?

by LandlordEzy Team · · 1 views 🆘 Paralegal review
Common situation: you win at the LTB for rent arrears. The order says the tenant owes you $4,000+. But the tenant is on ODSP (or OW, or other social assistance) with no employment income and minimal assets.

Is the order worth anything? What are the actual collection options?

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OLH Property Management 📌 Pinned ·
Short answer: the order is enforceable but collection on social-assistance recipients is hard. Honest options:

**1. Garnishment of bank accounts.** If you can identify the tenant's bank, the Sheriff can garnish. Social assistance funds deposited to the account ARE technically protected, but funds in the account from other sources are not. Many tenants comingle.

**2. Garnishment of any employment income.** If the tenant returns to work in the future (even part-time / gig income), wages can be garnished. The order is valid for 6 years and renewable, so this is a long-game option.

**3. Property liens.** If the tenant later inherits property, buys a car, or comes into assets, your order can attach. Register the order. Check periodically.

**4. Credit reporting (via the LTB order itself).** Equifax accepts LTB orders that have been converted to SCC orders. Once registered, the order shows on the tenant's credit report — making future apartment-hunting, car-loan, or credit-card applications nearly impossible until paid.

**5. Convert the LTB order to a Small Claims Court order.** This unlocks broader enforcement powers (writs of seizure, examination of debtor in aid of execution) than the LTB order alone. Cost is small; process is a paper filing.

**What's NOT an option:** Self-help collection. Contacting employers / family directly to demand payment. Holding the tenant's possessions. Any of those exposes you to harassment claims.

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