Quebec runs on the Civil Code, not common law. The lender's remedies are called hypothecary recourses, the mortgage is a hypothec, and a 60-day prior notice is mandatory before the lender can act. Notaries handle much of the process. Slower and more procedural than the rest of Canada.
Internal collections; cure window.
The mandatory 60-day notice registered against the property and served on you. It states which recourse the lender will exercise. Nothing can happen until the 60 days run.
The lender pursues one of: taking in payment (they take the property, debt extinguished), sale by the creditor, or sale under control of justice (court-supervised).
Sale under control of justice requires court oversight; taking in payment over 50% paid-off equity requires court permission.
Property sells or transfers; Civil Code priority rules distribute proceeds.
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Every term in this guide (order nisi, redemption, power of sale) explained in plain English.
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