Phone: 519-204-1112
Fax: 519-204-5336
E-Mail: info@aimeejfishman.com
Phone: 519-204-1112
Fax: 519-204-5336

Meet your new lawyer - Aimee J. Fishman,
Barrister and Solicitor

With a Juris Doctor from the University of Windsor, Aimee J. Fishman specializes in Real Estate Law, Wills and Estates.

Welcome

Aimee created her practice with a strong focus on delivering client-centric experiences. Focused on servicing London and surrounding areas; her approach is simple and highly regarded – offer convenience in service, transparency in process and clear, open communication.
Recognizing that her clients are often in need of her services when dealing with a life event such as: buying a home or creating a will, Aimee is committed to providing as much comfort and peace of mind throughout her service, as possible. Her accommodating approach also lends hand to in-home visits, saving her clients from having to make childcare arrangements or juggle schedules to make visits during standard office hours.

Aimee is a proud member of The Law Society of Upper Canada, The Middlesex Law Association and the London Chamber of Commerce.

Testimonial

Services

Real Estate Services

Powers of Attorney

Notary Services

Wills

REAL ESTATE SERVICES

Buying or selling a home can be quite an ordeal and often times is associated with high levels of stress and uncertainties. Allow me to make these processes straightforward and easy with my transparent approach providing you with knowledge and comfort throughout your transaction.

PURCHASE TRANSACTION

    The services I will provide to you:

  • Review of the Agreement of Purchase and Sale (after which you will receive a phone call directly from me)
  • Title search for the property
  • Arranging of Title Insurance , if applicable
  • Notification of ownership change to the municipality, hydro and gas
  • Review and explanation of your mortgage documents and terms
  • Signing of final documents to complete the purchase transaction
  • Delivery of final reporting letter, essential documents and the Deed to your new property
  • What you will need to do in preparation for the purchase of your property:

  • Provide my office with a copy of the Agreement of Purchase and Sale
  • Provide your full name, date of birth, marital status, confirmation of residency, contact information, current address, confirmation that the property will be used as your primary residence, and whether or not you are a first time homebuyer
  • Arrange for a mortgage, if applicable, and provide my office with a copy of your mortgage commitment
  • If there is a mortgage, my office will also need a copy of your fire insurance policy, showing loss payable to the mortgagee(s)
  • Contact telephone/cable and other utilities to arrange for activation and setup.
  • If the property you are purchasing has a well and septic system, you will need to provide a water potability certificate and septic certificate
  • Final Appointment:

  • I will contact you 1 week before the closing date to arrange for the signing of the final documents
  • The final appointment will be held 1-2 days before the closing date, and all purchasers, or persons with an interest in the property, must be present
  • You will be required to provide us with two pieces of identification (one of which must be a valid photo I.D)
  • You will be required to provide my office with a certified cheque or bank draft payable to Aimee J. Fishman in Trust for an amount that will cover Land Transfer Tax and registration fees, balance due to vendor/builder to close and legal fees and disbursements
  • Closing Date:

  • As soon as my office has closed the transaction, we will contact you
  • Please note: the time of day the transaction closes can vary and depends on when the seller’s lawyer is able to close, and the time our office is in receipt of the mortgage funds, among other things

SALE TRANSACTION

    The services I will provide to you:

  • Review of the Agreement of Purchase and Sale (after which you will receive a phone call directly from me)
  • Review of all the documents that you will be required to sign by the purchaser’s lawyer
  • Request final payout amounts on any outstanding mortgages and arrange for payment from the sale proceeds
  • Arrange for the payment of real estate commission fees, if any, from the sale proceeds
  • Signing of the final documents to effect the sale transaction
  • Delivery of final reporting letter detailing what, if any, mortgages have been discharged, the final statement of accounts, and any other pertinent documents for your records

  • Please note that the payment of legal fees and disbursements will come from the sale proceeds. The balance of which will be given to you directly or deposited into your bank account, depending on your preference.

    What you will need to do in preparation for the sale of your property:

  • Provide my office with:
    1. A copy of your most recent tax bill and evidence of what installments have been paid to date
    2. Details of any existing mortgages or lines of credit against the property
    3. Any existing survey of the property (if in your possession)
    4. Information about how the property is heated, and the relevant hydro account number
    5. Any declaration of possession
    6. Information about spousal status
    7. Post-closing address for service
  • Call your utility providers to cancel their services and to schedule final meter readings. They will require a forwarding address for the final billing.
  • Cancel your house insurance, effective the day after the closing date.
  • Advise our office if you are a non-resident of Canada as defined by the Income Tax Act.
  • Final Appointment:

  • I will contact you 1 week before the closing date to arrange for the signing of the closing documents
  • The final appointment will be held 1-2 days before the closing date, and all owners of the property, or persons with an interest in the property, such as a consenting spouse, must be present
  • You will be required to provide us with two pieces of identification, one of which must be a valid photo I.D.
  • You will be required to provide us with a set of keys to your property
  • You will also be required to provide us with a void cheque if you choose for the sale proceeds to be directly deposited into your bank account
  • Closing Date:

  • As soon as my office has closed the transaction, we will contact you
  • Please note: the time of day the transaction closes can vary depending on when the purchaser’s lawyer is in receipt of the mortgage proceeds, and when the purchaser’s lawyer is prepared to close.

REFINANCE

    The services I will provide to you:

  • Request and review the payout figures of outstanding amounts of any mortgages and arrange for the payment of these from the refinance proceeds
  • Arrange for title insurance
  • Arrange for the balance of the refinance proceeds to be deposited into your bank account, or be given to you directly depending on your preference
  • What you will need to do in preparation for the closing of your refinance transaction:

  • Arrange for mortgage financing
  • Advise your lender to send all documents to my office and provide them with my contact information
  • Provide my office with a copy of any existing Mortgage/Charge on title
  • Provide my office with a copy of your most recent tax bill
  • Contact your insurance broker to update fire insurance with the new Mortgagee/Chargee added; ask them to send a copy of the insurance binder
  • Final Appointment:

  • I will contact you 1 week before the closing date to arrange for the signing of the appropriate documents.
  • The final appointment will be held 1-2 days before the closing date, and you will be required to provide us with two pieces of identification, one of which must be a valid photo I.D.
  • We will also require a void cheque if you choose for the refinance proceeds to be directly deposited into your bank account
  • Closing Date:

  • As soon as my office has closed the transaction, we will contact you
  • Please note: the time of day the transaction closes can vary depending on when the mortgage funds arrive at my office

CONDOMINIUM

    If you are considering purchasing a condominium, you should familiarize yourself with the condominium corporation’s Status Certificate.

    A status certificate is a certificate from the condominium corporation that includes, among other things:

  • Financial information
  • The amount of common expenses for the unit and whether or not the vendor is in default of payment
  • Assessments levied against the unit
  • Whether or not there are any judgments against the condominium corporation, including the status of any legal actions to which the corporation is currently a party
  • By-laws, rules and the condominium declaration

  • You should ensure that the Agreement of Purchase and Sale is conditional upon a lawyer’s review of the status certificate in order for the lawyer to assess the legal risks of proceeding with the purchase given the information that is available on the certificate.

NEWLY CONSTRUCTED HOME

    Buying a new home is different from buying a resale home. Due to the fact that a new home is often purchased before construction has begun, it is in your best interest to have a lawyer review the Agreement of Purchase and Sale before you sign it so that you understand the risks and issues associated with the construction of a new home. The Tarion Warranty Corporation is responsible for administering the Ontario New Homes Warranties Plan Act, which is the governing legislation dealing with new home purchases, and which outlines the warranty protection provided to new home purchasers. Tarion maintains an active directory of licensed builders under which you can search to see whether any claims have been made against the builder.

    Under the Ontario New Home Warranties Plan Act, every purchaser of a newly constructed home is provided with warranties for the following items:

    1. Deposit protection
    2. Defects in work and materials
    3. Major structural defects
    4. Substitution of materials
    5. Delays in completion
    Warranty coverage begins as soon as the purchaser is in possession of the new home and remains in effect until the warranty period expires.

POWER OF ATTORNEY

What is a Power of Attorney?

    A power of attorney is a legal document that authorizes a person to act on your behalf concerning either your property or your personal care, in the event that you are unable to make decisions as a result of illness or disability. Without a Power of Attorney, a spouse, partner or relative, will have to apply for a court order appointing them as your attorney, a process that can be very costly. If you do not have a spouse, partner or relative who is prepared to make an application to the court to become your court-appointed guardian, and an assessor has issued a certificate of incapacity, the Public Guardian and Trustee will become the guardian over your property and/or personal care.

Power of Attorney for Property

    The Power of Attorney for Property allows the person designated as your attorney to make decisions with respect to your property or financial management in the event that you become incapacitated. There are two types of Power of Attorney for Property:
  • Continuing Power of Attorney for Property (CPOA) covers your financial affairs and allows the person you name to act for you even if you become mentally incapable.
  • A Non-Continuing Power of Attorney covers your financial affairs but cannot be used if you become mentally incapable. This should be used if you need someone to look after your financial transactions while you’re away from home for an extended period of time.

Power of Attorney for Personal Care

    The Power of Attorney for Personal Care allows your attorney to make decisions about your medical treatment and personal care if you are incapacitated. A Power of Attorney for Personal Care becomes effective when an assessor confirms that you are no longer capable of making your own personal care decisions.

Power of Attorney Services

The services I provide:

  • Discussion of relevant information for your Powers of Attorney

  • Assessment of the information provided and advice on the effect of your Power of Attorney

  • Draft of your Power of Attorney (based on your instructions)

  • Review of your Power of Attorney with you with necessary amendments made

  • After signing your Power of Attorney, I will provide you with an original copy of your Power of Attorney, and make arrangements to store the original at my office

NOTARY SERVICES

Notary Services:

    A notary witnesses oaths, signs affidavits and certifies documents to be true copies of the original.

    Some of the documents a notary frequently sees are:

  • Powers of Attorney
  • Certifying documents as true copies for use abroad
  • Affidavits and Declarations
  • Passports
  • Consent to Travel Document
  • In order to certify a document as a true copy, the notary public will examine the original document and compare it to the copy. If satisfied that the copy is a true copy of the original, the notary public will sign the document and affix the notary public seal on the document to certify it as a true copy.

WILLS

What is a Will and why you need one.

    What is a Will?

  • A will is a legally enforceable written document that sets out your wishes about how your estate should be taken care of and distributed after your death.
  • Why you need a Will:

    Having a Will allows you to:

  • Decide who will look after your affairs on your death,who is to inherit your property and what they are to inherit
  • Appoint guardians for your minor children
  • Decide the age at which your children receive their share of your estate
  • Minimize your taxes and probate fees
  • Make special provisions for disabled beneficiaries
  • Leave part of your estate to a common law spouse, a friend, or a charitable organization

When should an existing Will be revisited

    The instructions you provide to your lawyer regarding what should be included in your will is based on the information you have at that point in time.

    Life is constantly changing, and you should revisit your Will every couple of years, especially if some of the following events have occurred:

  • If you have separated, divorced or married
  • If someone you have named in your Will or Powers of Attorney has died or become incapacitated
  • If you have had children and/or grandchildren
  • If you would like to change your named executor
  • If your assets have significantly increased

Will Services:

    The services I provide:

  • Discussionof relevant information for your Will
  • Assessment of the information you have provided and advice on the most effective way of structuring your estate to meet your objectives
  • Draft of your Will based on your instructions
  • Review of your Will with you with necessary amendments made
  • Signing of your Will, providing you with a copy, and making arrangements to store the original at my office

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CONTACT

From time to time you may need documents drawn up or advice on the best way to approach certain transactions. My office is happy to help steer you in the right direction and provide you with the legal guidance and documents you require. Whether you are looking to rent out your summer cottage or provide a promissory note for the repayment of a loan, it is always best to seek legal advice to be sure you are protected from any potential claims or liability. I am certainly happy to help and look forward to speaking with you and answering any questions that you may have.

Phone: 519-204-1112
Fax: 519-204-5336
E-Mail: info@aimeejfishman.com
Phone: 519-204-1112
Fax: 519-204-5336