Sunday, April 1, 2012

La Guía Entrevista- feberero 2012

En febrero 2012, Antonio Guerrero fue destacado prominentemente en la revista La Guía en Toronto. Aquí se encuentra la entrevista donde habla de como llego a abrir su propio bufete jurídico.

Pulse en los imágenes o visita La Guía para poder leer la entrevista.
MySpace Codes

In February 2012, Antonio Guerrero was prominently featured in the La Guía magazine in Toronto. Here is the interview (in Spanish) where he talks about how he came about opening his own legal firm.

Click on an image or visit La Guía to read the interview.


Friday, March 9, 2012

Beware of elder abuse

On Friday, March 9th, Dale Brazao and Moira Welsh of the Toronto Star reported:


She was old, alone and afraid of ending her life in a nursing home.
Then Stella Wasiuk, 83, thought she was saved when a personal support worker promised to care for her until her dying days.
Instead, she says she was isolated, verbally abused and fed substandard meals. Wasiuk lost control of a $477,000 home and her life savings. Now she is fighting to get them back.
The Toronto Star investigated and found that caregiver Pauline Reid used a real estate agent, two lawyers and her family members and friends to gain control of Wasiuk’s assets. Police are looking into the case and a new lawyer is trying to assist her. In one of the story’s bizarre twists, Reid’s son, an accused criminal now convicted of a gun charge, was at one point the executor of Wasiuk’s will.
The hero of the story is neighbour Emile Timmermans. One day he spotted Wasiuk on the porch outside her Ajax home, looking distressed, waving for help.

“I’m in trouble,” Wasiuk said, getting Timmermans’ attention. “Please help me.”
It’s a cautionary tale for seniors, advocates say. Be careful who befriends you.
The Star made numerous attempts to interview Reid, 52, who currently works at a Scarborough nursing home. Her boyfriend, Joseph Comas, who describes himself as a Haitian prince, called instead and told the Star to stop “harassing” Reid.
“She does not want to talk to you,” Comas said.
The real estate agent involved in the scheme ran off when the Star tried to interview him. The two lawyers involved said they could not talk because they believe a legal action may be filed against them by Wasiuk.
The information in this story is based on interviews and a review of documents, including three wills Wasiuk signed, real estate agreements and a timeline created by Timmermans, the man who rescued Wasiuk.
With her late husband, Wasiuk had a long and lucrative career as a real estate developer. Growing up in Poland during World War II, she knew the value of a dollar and lived simply, especially after her husband died in 1987. The couple had no children.
For nearly 20 years after her husband’s death she stayed healthy and busy, volunteering as a driver with a local charity. Then her legs gave out and she had knee replacement surgery in December 2008.
In and out of hospitals and rehabilitation centres, she met Pauline Reid (also known as Pauline Brefo), who was working at one of them. Reid was a personal support worker, a twice bankrupt mother of three, who for years lived in low-rent apartments in North York.
“I’ll take care of you. Come and live with me,” Reid told Wasiuk, according to the elderly woman’s recollection. At the time, Wasiuk owned a luxurious condominium in Markham, which she left to move into a semi-detached home that Reid was renting in Ajax.
Shortly after, caregiver Reid announced she hated the home and wanted to move. It was time for Wasiuk to buy a house.
Enter real estate agent Sunny (Sukhjinder) Gandhi.
Based out of Brampton, far to the west, the agent listed Wasiuk’s Markham condo for $549,900. It sold for $410,000.
Gandhi then drove Wasiuk and Reid on a real estate tour and helped them settle on a big brick home on a corner lot in Ajax, near Taunton Rd. and Westney Rd. The new house was far from Markham and Wasiuk’s friends.
A review of real estate documents shows Wasiuk paid $477,000 for the Ajax home, writing a $430,000 personal cheque and borrowing $61,466 from Gandhi through a mortgage advanced by a recently created numbered company that lists Gandhi as the sole director. The mortgage interest rate was 9.79 per cent. Three months later, Wasiuk wrote a cheque for $69,000 to Gandhi’s numbered company to pay off the mortgage.
Wasiuk’s recollection of the events of May 2010 include a blur of document signing at the Mississauga office of lawyer Marvin Talsky. Talsky was acting for both Reid and Wasiuk.
The documents reveal that the home was registered in Reid’s name, with Wasiuk given a “life interest” in the property and allowed to live there until she died. The documents stipulate the house cannot be sold without Wasiuk’s permission.
“Pauline (Reid) will look after Stella for the balance of her natural life in the property being purchased,” according to an agreement between Reid and Wasiuk dated May 19, 2010.
The $430,000 Wasiuk paid for her new home is described as an interest-free loan to Reid, with Reid paying it back by providing $800 in monthly caregiving work. At Wasiuk’s death, the house would belong to Reid.
Wasiuk said she believed she was the sole owner of the house. “I knew that I was signing the purchase, but I didn’t think she was in it, because I paid for the whole thing.”
That same day, Wasiuk also signed a document called the Power of Attorney for Personal Care, giving Reid the power to make all decisions related to her health.
People are often advised to get independent legal counsel. The documents indicate Wasiuk had independent legal advice from another Mississauga lawyer, Hugh Galbraith, and she understood what she was doing.
Both Talsky and Galbraith, the two lawyers involved in the blur of signing that day, refused comment when contacted by the Star, saying a legal action may be launched against them.
Galbraith’s lawyer, Ernest Gutstein, said neither he nor his client can talk because the matter is being dealt with between lawyers.
“You would be doing a disservice if this matter is dealt with in the media,” Gutstein said.
The house deal closed May 2010 and Wasiuk moved in with Reid, Comas and Reid’s family members.
Three months later, Wasiuk was taken back to a lawyer’s office, this one in Ajax, to sign a will leaving all of her property to Reid, who was also made executor of Wasiuk’s estate. The lawyer on that file was Colin Oldman. He is away on vacation and has not responded to the Star’s interview requests.
The conditions Wasiuk said she endured in the new Ajax home were dreadful.
The rambling 2,800-square-foot, four-bedroom home was spacious, but Wasiuk said she was forced to live in a tiny second-floor bedroom above the garage. She was not allowed to use the washroom on the main floor, which was kept locked she said, forcing her to leave her walker on the main floor, pull herself up the banister, then use another walker to make it to the bathroom.
According to one of the agreements Wasiuk signed, she was allowed to “enjoy the house and property in its entirety” except for rooms set aside by Reid as her private living quarters. Reid had the large master bedroom with ensuite bath, while her adult children occupied the other two.
The food was cheap, Wasiuk said. Reid constantly yelled at her. Her chequebook disappeared, as did her contact list of friends and her Polish-English dictionary. She was not given a key to the home.
“She constantly threatened me that she is going to leave me in that house, that she is moving out,” Wasiuk said. “She wanted to drain me, get the money from me and abuse me.”
Cash withdrawals on her account between June 2009 and Oct. 3, 2011, totalled at least $51,000, amounts an accountant who has done Wasiuk’s taxes for years told the Star represented unusual activity for his longtime client.
People came in and out of the home, including Reid’s son Justin Brefo and Comas, the self-described prince, an imposing man who dressed in traditional robes and once removed his headgear to reveal a small crown.
In a brief interview with the Star, Comas said that he was supposed to end up with ownership of Wasiuk’s home. “It was my name that should have been on the house at first,” Comas said, but he refused to elaborate. “There’s a lot of things behind that story.”
At times, Reid left Wasiuk alone for several days, telling her she was travelling to visit Comas, who Reid said had a place in Montreal.
As Wasiuk’s relationship with Reid worsened, she went to visit lawyer Colin Oldman again to rewrite her will. This time, Reid was dropped as executor and benefactor, and everything was left to her son, Justin Brefo and his two sisters. Brefo was also made executor.
Wasiuk did not know it but at the time, Brefo, 24, was facing numerous gun and drug trafficking charges after Peel Regional Police raided three homes in 2010 and seized crack cocaine, powder cocaine, ecstasy tablets and heroin.
Brefo was convicted later that year of possession of a restricted weapon, a 9-mm Glock pistol, sentenced to 18 months in jail and banned for life from possessing any weapons. The other charges were withdrawn.
In an interview, Wasiuk said she appointed Brefo as her executor because he was kind to her.
Eventually, Wasiuk had had enough.
On Oct. 8, 2011, left alone in the house, she stood on her front porch and frantically waved at Timmermans, working in his garage next door.
Timmermans listened to her story. He called Durham Regional Police. He called the Advocacy Centre for the Elderly. He called in social workers.
The more support she received, the stronger Wasiuk became. She demanded a telephone in her room. Reid was furious when she found out Wasiuk had reached out to Timmermans.
“Pauline found out I went to see you and she threatened me that she is leaving at the end of this month. I have no place to go. I’m scared,” Wasiuk wrote in a note to her neighbour. “Please help me somehow. I can’t afford to see you. She doesn’t want me to talk to anyone. I’m her prisoner.”
A month later, Wasiuk asked Timmermans to drive her to lawyer Oldman’s office again, this time revoking the will that benefitted Reid’s three children and leaving all her money to charity. She also gave power of attorney to Timmermans and his wife Marie to look after her health care.
Durham Regional Police Sgt. John Keating, a liaison officer charged with looking after issues involving the elderly, began probing the case last fall. Timmermans said Wasiuk wrote several notes, which Timmermans passed to police.
In one note to Keating on Dec. 18, Wasiuk wrote: “I appeal to you for the last time. Do something about the forged papers that Pauline has, why a crook [she wrote “kruk”] like her should win by getting my house after I’m gone. . . . John please do something. I’m helpless.”
Reid and her family left the house in late January, shortly after a new lawyer working for Wasiuk, Alexander Jozefacki, sent letters to Reid and to the lawyers and the agent involved in helping Reid take control of Wasiuk’s house.
Jozefacki says Wasiuk is going to court to get her house back.
“There will be a statement of claim,” Jozefacki told the Star. “We’ve put a lien on the house and registered a caution on title. Nobody can touch the property until it’s dealt with by the courts.”
Someone attempted to sell the house a month ago. A ‘for sale’ sign went up on the lawn and an open house was held before Timmermans went next door and told the agent to stop. The sign has since come down.
Neighbours have reported seeing people remove belongings from the home in the middle of the night.
Approached to explain his involvement in the earlier transaction and in the 9.79 per cent mortgage, agent Gandhi bolted from his office and scurried into the parking lot, holding his cellphone and saying he was calling police.
Reid’s boyfriend Comas said neighbour Timmermans will not be satisfied until Reid is “begging on the street for bread.”
As for Wasiuk, who so feared living out her days in a nursing home, she is now in a retirement home, “for her own safety” on the advice of police, social workers and an advocacy group for the elderly.
The Durham police officer on the case is away this week and could not be reached for comment.
The hero of the story, Timmermans, said he thought calling the police would be all he had to do.
“We thought that once we called police that society would take care of her,” Timmermans said. “Not quite the way it works. There’s no way we were going to leave her alone after that.”

Wednesday, February 22, 2012

Paying off your mortgage early can cost you- The Toronto Star

The Toronto Star's Peggy Mackenzie writes:
You can get a cheaper mortgage by shopping around.
SHUTTERSTOCK PHOTO

Paying off your mortgage early seems like great financial planning since you’re freeing up money that can be put towards savings.
But discharging a mortgage early can mean a prepayment penalty because the bank loses money. If you had a two-year term and paid the mortgage in full after 16 months, the bank is out eight months of interest. They charge the difference so they don't lose out. The closer you are to the end of the mortgage, the smaller the penalty but it's money out of your pocket.
For those lucky enough to be near the end of their mortgages and ready to hold a mortgage burning party, they need to keep an eye on the mortgage statement that shows the principal/interest mix if they want to avoid penalties. This is particularly true for those with a variable rate.
People with variable mortgages pay fixed amounts, but the amount going towards principal and interest fluctuates depending on prime. If the prime rate decreases, more of the payment goes to the principal and less to interest. While decreasing principal is great, you’ll be hit with a penalty if the mortgage ends before the term does because the bank loses interest payments.
There's not as much worry for those paying fixed rates; just skip double-up-payments unless the bank agrees that you can retire the mortgage early.
If you’re close to the end of your mortgage, but don’t have enough cash on hand to retire it outright at the end of the mortgage term, you’ll need to renew for a short period. Here are a several options that will not incur prepayment penalties:

-  Take out a short-term variable-rate-mortgage and keep monthly payments the same. Pay any leftover amount at the end to retire the mortgage. You’ll need modest extra savings for this plan but make sure that if prime drops, you aren't in jeopardy of paying it off early.

- Take out a short-term fixed-rate-mortgage and increase monthly payments so that the principal will be paid in full at the conclusion of the term.

- Increase the mortgage term and decrease payments. This will add to the length of time that you pay off your mortgage, but will help if finances are tight. Again, for those paying a variable rate, religiously check your balance in the last three months to ensure you don’t inadvertently pay the mortgage in full ahead of time.

Contact Peggy Mackenzie at pmackenzie@thestar.ca or follow her on Twitter:@PeggyMackenzie

Wednesday, January 18, 2012

Is this a good time to refinance your mortgage?- The Toronto Star

The Toronto Star's Robb Engen writes:
 

The Bank of Montreal made headlines last week, announcing a special 5-year fixed rate of 2.99 per cent.  Other banks  followed with their own special offers, as the competition for mortgages heats-up across the country.
This might be a good time to consider refinancing your mortgage.  Here’s why: 
When interest rates are low, many people refinance in order to save thousands of dollars over the life of their mortgage.  However, it’s important to determine what the pre-payment charge will be before refinancing your mortgage.
A pre-payment charge is the amount you will need to pay for breaking the terms initially negotiated on your mortgage.  This can be a large amount, meaning you won’t actually be saving money in the long run.
It doesn’t always make sense to break your mortgage, but a good rule of thumb is if interest rates are at least 0.5 per cent lower than your current mortgage rate, it’s worth looking at refinancing.
Consider a scenario where you locked-in at a discounted 5-year fixed mortgage rate of 3.99 percent in January, 2010.  The balance on your mortgage is $250,000.
Even though variable rates are lower, you’re still concerned about rising interest rates in the future.  Your bank is now offering a 5-year fixed rate of 3.49 per cent.  
In order to break your current mortgage after two years of payments, and with three years remaining on your term, you will be charged an interest rate differential (IRD) penalty of $3,750*.
The penalty sounds pretty stiff, and that’s what scares people and prevents them from taking action.  By refinancing with the new interest rate of 3.49 per cent for the remaining 36 months, you will save $128 per month in mortgage payments, and save more than $6,775 in interest.
As consumers, we spend a lot of time shopping around for the best grocery prices, or looking for the cheapest gas station, yet we can’t be bothered to review our mortgage at least once a year for the opportunity to save thousands of dollars.
Before refinancing, consider how long you plan to stay in your home, how you plan to use any extra cash flow, and how refinancing can support your overall financial goals.
* contact your lender directly for an exact penalty quote

Monday, January 16, 2012

Toronto house prices dip slightly in December- The Toronto Star

An article by The Toronto Star's Susan Pigg:

House sales — and doom-defying price increases — are slowing, easing concerns that the lowest interest rates in history could cause the Canadian housing market to overheat.
Buyers are becoming “increasingly cautious,” but house sales are expected to continue making a “significant contribution to Canadian economic activity” this year, says the Canadian Real Estate Association.
A total of 456,749 houses changed hands via Canada’s MLS system in 2011, up 2.2 per cent from 2010, CREA reported in its monthly assessment of the market released Monday.
While Toronto house prices were actually down in December over November when adjusted for seasonal fluctuations — they dipped about 2.4 per cent putting the average house at $466,540 — prices were up overall some four per cent from Dec. 0f 2010.
The average Canadian house price was $358,480 when adjusted for seasonal fluctuations, up less than one per cent from a year ago.

Thursday, December 15, 2011

Toronto house prices hit new record- The Toronto Star



The Toronto Star's Susan Pigg  reports on Toronto's house prices:

The Toronto housing market slipped back into sellers’ territory in November, helping propel prices even higher to a record average of $481,305.
That’s a 2.1 per cent increase from October and, when adjusted for seasonal fluctuations, almost 10 per cent more than the average GTA home was worth a year ago, according to figures released Thursday by the Canadian Real Estate Association.
In fact, November sales across Canada were 7 per cent above the 10-year average for the month, resulting in the fourth highest level of sales on record for what’s typically the slow season, CREA noted.
A sold sign sits on the corner of Toronto's Manning Ave. and Ulster St.
Tara Walton/Toronto Star
While no one is uttering the dreaded B-word — bubble — as did Britain’s venerable magazine The Economist when it recently warned Canada’s housing market may be 25 per cent overvalued, the warning is clearly of concern among the country’s housing experts.
“With interest rates expected to remain low for longer, the housing sector will no doubt be closely watched for signs of excess,” say CREA’s chief economist Gregory Klump.
“That said, current trends for resale housing and new home construction suggest that tightened mortgage regulations are working as intended and fostering economic stability in Canada.”
A record November of sales in Halifax-Dartmouth, up a seasonally adjusted 34.7 per cent, helped offset a 10.5 per cent decline in sales in Toronto where 7,773 homes changed homes.
New listings across the GTA were down 4.4 in November while prices climbed by 9.7 per cent.
Despite economic turmoil in the rest of the world, Canadians continue to see real estate as a sure thing: A total of 432,048 homes have traded hands across Canada between January and the end of November, up 2.1 per cent from the same period last year, CREA says.

Saturday, November 26, 2011

Ten tips for getting a fair price on a home - The Globe and Mail

An article from The Globe and Mail on September 7, 2011, by Amy Fontinelle:




Whether it's a buyer's market or a seller's market, all homebuyers have one thing in common: they don't want to get ripped off. But how do you know if you're getting a fair deal on the home you're prepared to place an offer on? Read on to find out how to evaluate the price of any home so you can make a sound investment decision.

Realtor standing with family in front of new house Getty Images/OJO Images
Research recently sold, comparable properties
A comparable property is one that is similar in size, condition, neighbourhood and amenities. One 1,200-square-foot, recently remodeled, one-story home with an attached garage should be listed at roughly the same price as a similar 1,200-square-foot home in the same neighbourhood. That said, you can also gain valuable information by looking at how the property you're interested in compares in price to different properties. Is it considerably less expensive than larger or nicer properties? Is it more expensive than smaller or less attractive properties? Your real estate agent is the best source of accurate, up-to-date information on comparable properties (also known as “comps”).

Check out comparable properties that are currently on the market
In this case, you can actually visit other homes and get a true sense of how their size, condition and amenities compare to the property you're considering buying. Then you can compare prices and see what seems fair. Reasonable sellers know that they must price their properties similarly to market comparables if they want to be competitive.
 
Look at comparables that were on the market recently but didn't sell
If the house you're considering buying is priced similarly to homes that were taken off the market because they didn't sell, the property you're considering may be overpriced. Also, if there are a lot of similar properties on the market, prices should be lower, especially if those properties are vacant. Check out the unsold inventory index for information about current supply and demand in the housing market. This index attempts to measure how long it will take for all the homes currently on the market to be sold given the rate at which homes are currently selling. (For further reading, see Selling Your Home In A Down Market.)
 
Consider market conditions and appreciation rates in the area
Have prices been going up recently or going down? In a seller's market, properties will probably be somewhat overpriced, and in a buyer's market, properties are apt to be underpriced. It all depends on where the market currently sits on the real estate boom-and-bust curve. Even in a seller's market, properties may not be overpriced if the market is on the upswing and not near its peak. Conversely, properties can be overpriced even in a buyer's market if prices have only recently begun to decline. Of course, it can be difficult to see the peaks and valleys until they're history. Also consider the impact of mortgage interest rates and the job market on the economy. (Knowing your mortgage choices is important. For more information, read Shopping For A Mortgage.)
 
Are you buying a for-sale-by-owner property?
A for-sale-by-owner (FSBO) property should be discounted to reflect the fact that there is no 6 per cent (on average) seller's agent commission, something that many sellers don't take into consideration when setting their prices. Another potential problem with FSBOs is that the seller may not have had an agent's guidance in setting a reasonable price in the first place, or may have been so unhappy with an agent's suggestion as to decide to go it alone. In any of these situations, the property may be overpriced.
 
What Is the expected appreciation for the area?
The future prospects for your chosen neighbourhood can have an impact on price. If positive development is planned, such as a major mall being built, the extension of light rail to the neighbourhood, or a large new company moving to the area, the prospects of future home appreciation look good. Even small developments like plans to add more roads or build a new school can be a good sign. On the other hand, if grocery stores and gas stations are closing down, the home price should be lower to reflect that, and you should probably reconsider moving to the area. The development of new housing can go either way - it can mean that the area is hot and is likely to be in high demand in the future, increasing your home's value, or it can result in a surplus of housing, which will lower the value of all the homes in the area.

Thursday, November 10, 2011

Remembrance Day - November 11, 2011


Thank you to all of those who have served and who continue to serve in our Armed Forces. To those who give up time with their families, who give up their lives to defend our nation and who give us their all, we salute you.

 
Remembrance Day

Remembrance Day is a very important day for Canadians. November 11 is a day of national commemoration where we honour the over 100,00 fallen Canadian soldiers who gave their lives to their military service.
Throughout the country, services are performed to remember the dedication and sacrifice these soldiers made for not only their own countrymen, but for those whose countries they helped liberate. We honour them with ceremonies

The Poppy
After Lieutenant Colonel John McCrae, MD (1872-1918) of the Canadian Army's poem In Flanders Fields was published in 1915 the poppy became a popular symbol for soldiers who died in battle.
There exists a record from that time of how thickly Poppies grew over the graves of soldiers in the area of Flanders, France. This early connection between the Poppy and battlefield deaths described how fields that were barren before the battles exploded with the blood-red flowers after the fighting ended. 

Just prior to the First World War, few Poppies grew in Flanders. During the tremendous bombardments of that war, the chalk soils became rich in lime from rubble, allowing “popaver rhoes” to thrive. When the war ended, the lime was quickly absorbed and the Poppy began to disappear again. 

Remembrance Day Services in Brampton and Toronto



In Flanders Field, written by Lieutenant John McCrae

  

Monday, October 31, 2011

Brampton Readers Choice Awards

It's that time of year again, the Brampton Guardian has put out its Readers Choice Awards survey.
If you were pleased with the work Guerrero Law did for you or is currently doing, please consider voting for us. The survey closes on Friday, November 4, 2011.
If you live in Brampton, the print version can be found in your Brampton Guardian newspaper, alternatively, you can access the survey online here or click on the Brampton Guardian icon below. The lawyer's section is #79. If you complete the entire survey, you are automatically entered into the draw for a $500 shopping spree at the Bed & Bath Warehouse.


Friday, October 14, 2011

Your home’s sale price is private information by Mark Weisleder

An article from the Toronto Star, October 14, 2011, by Mark Weislader.  


Condos under construction between the Rogers Centre and the Air Canada Centre in downtown Toronto. (Apr. 8, 2009)
Condos under construction between the Rogers Centre and the Air Canada Centre in downtown Toronto. (Apr. 8, 2009)
Steve Russell/Steve Russell
This is what privacy legislation is all about — protecting your personal information. The lesson is that if you do not want to see your home’s sale price advertised after closing, then don’t agree to it.
In another case decided in 2006, an insurance company arranged for photographs to be taken of an apartment unit, without the tenant’s permission. The purpose was to get examples of the state of repairs of the interior of the apartments to assist in figuring out the building’s value. However, the pictures included some of the apartment’s contents.
The Privacy Commissioner’s office found that while the purpose might have been to show the condition of the unit, it also revealed information about the tenant, including their standard of living, whether they could afford expensive media equipment, whether they loved music or art or cooking. This was found to be personal information and thus permission should have been requested.
What this means is that before a buyer or agent takes photographs of anything inside a seller’s home, even during an open house or home inspection, they should ask for permission.
In another case decided in 2008, a consumer asked their bank for a copy of the appraisal report the bank had done on their home. An appraisal contains information about other comparable property sales in your area that help the appraiser calculate the value of your property. The bank refused, claiming this was confidential commercial information and not personal information.
The Privacy Commissioner’s office decided that, while the consumer was entitled to the appraisal value of their own home, they were not entitled to the name or contact information of the appraiser, or anything related to comparable property sales, as this was the personal information of third parties.
The issue of privacy arises in the ongoing lawsuit between the Competition Bureau and the Toronto Real Estate Board, something I’ve written about in the past few months.
The Competition Commissioner wants Canadians to be able to go online and access the selling price of any home in Canada. The potential abuses are huge, starting with thieves who want to learn about potential victims and their lifestyle. Since buyers and sellers didn’t provide this permission, in my opinion, it violates privacy legislation.
It seems to me the Privacy Commissioner should be involved in these proceedings and I encourage all Canadians to complain to the Privacy Commissioner’s office in Ottawa and to federal Industry Minister Christian Paradis. To register a complaint to the Privacy Commissioner’s office, you can download a form from their website, www.priv.gc.ca, sign it and then send it in. You can email Paradis’ office at minister.industry@icigc.ca.