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Ray Leclair outlines key legal and practical considerations surrounding the removal of NOSIs under the Homeowner Protection Act. He highlights challenges in defining consumer goods, risks to lawyers related to discharge errors, and the growing need for PPSA searches. Practical concerns include title insurance limitations, potential lender litigation, and communication gaps between agents and legal professionals.
Zombie Mortgages; How to Register a Headshot
Michael Wade explains how lingering mortgages, often decades old and presumed satisfied, can unexpectedly reappear and impact property transactions. He reviews investigative steps, application procedures to clear title, and the importance of documentation, flowcharts, and tailored court orders to secure discharge when owners or lenders are untraceable or uncooperative.
Ray Leclair joined Lawyers’ Professional Indemnity Company (LawPRO) in June of 2008 in the role of Vice President, TitlePLUS, and as of May, 2012 became Vice President, Public Affairs, responsible for government relations efforts at LawPRO.
Formerly General Counsel for the Kanata Research Park Corporation, a development company and major commercial landlord in Ottawa, Ray has practised in both major national law firms and as a sole practitioner, and was a part-time professor at the University of Ottawa Law School and Cité Collégiale instructing the French language portion of the real estate law course. He also served for 15 years as the Ottawa senior instructor for the French and English Real Estate Sections of the Bar Admission Course and member of the Law Society of Upper Canada’s Solicitor Advisory Group, Licensing Process.
Called to the bar in 1984, Ray is Past-Chair and remains an active participant of both the National Real Property Section of the Canadian Bar Association and of the Real Property Section of the Ontario Bar Association, past Co-Chair and remains a member of the Working Group on Lawyers & Real Estate, and President of the Ontario Real Estate Lawyers Association (ORELA). Former member of the Ontario Bar Association Council, past executive member of CBA’s National Sections Council, past member of its budget committee and formerly Vice President of the North American Bar-related® Title Insurers, past President of the Advisory Committee for the Cité Collégiale Legal Assistants Program. Ray volunteered as Manager of the fundraiser TOM* MensFashion4Hope and a VIP & Sponsor Relations Officer for semi-annual Toronto Men’s Fashion Week (TOM*). Ray is and has been a frequent speaker/presenter, in French or English, in numerous programs on various real estate and other law related topics in Canada and the United States.
Michael Wade is a senior associate in Soloway Wright’s Litigation Law Group, with a focus on personal injury, medical malpractice, and construction law. He is a graduate of Kingston University London and was admitted to the Ontario Bar in 2013. Michael has extensive experience providing lectures to internationally trained lawyers seeking to qualify in Canada and law school graduates from both Canada and abroad seeking to complete their Bar Exams. He has appeared before the
Superior Court of Justice, Divisional Court, the Federal Court, and various administrative tribunals. Michael is an avid rugby player and fan. He has attended three rugby world cups and has played the game at club, varsity, semi-professional and representative levels.
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