The Single Voice That Became A Choir
How Canadian Home Owner Rights Are Us Began
FACING THE GIANTS
An estimated $7.4 billion flows through the Canadian real estate market every single day.
Banks. Mortgage giants. Brokerages. Investors. They all share the fees and profits.
Yet the moment a Canadian family misses a few payments, an army of Goliaths start attacking.
Power of Sale — their legal battering ram — can erase a home, a lifetime of equity, and a family’s future in just 35 days. Billions land in the hands of the giants. Too often nothing lands in the hands of the homeowner - until CHORUs (Canadian Home Owner Rights are Us)
THE DAY THE GIANT FELL
It was 2015, Trey & Nicci — a senior couple ready to retire — called their friend Laurence. They were holding back tears. Expenses, interest rates, cost of living had snowballed. They were struggling to understand how it happened.
Suddenly, the bank filed Power of Sale on their property:
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A $500,000 deficiency judgment looming (the market had dipped)
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$50,000 in trumped-up fees
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All of the bank's legal costs dumped on them
This would have left them penniless — for life.
They asked: "Is there anyone in this country who fights for people like us?” The answer was shocking.
Legal aid. Non-profits. Government programs. Nothing! They could not find one organization — in a $2.7-trillion-a-year industry that existed solely to defend homeowners against Power of Sale, specifically.
Just buzzards - Sure, there were a few $800-an-hour lawyers who could do it perhaps, but many of them only accepted elite clients with deep pockets. There were 100s of “Sell Your House Fast” - "Buy Cheap Power Of Sale Properties" websites - "We Refinance Fast" predators. But No David in sight - Only Goliaths.
BUILDING A HOME MADE SLINGSHOT
Laurence — personal friend, experienced real estate investor and consultant — made a decision.
If Trey & Nicci can't find the real help they deserve then we will create it. He assembled a team of experts to face the bank and the system that had given the Giants almost unlimited power over everyday homeowners.
He found the sticks and stones (one fearless lawyer and a project manager.) He found the courage - and that team, with little more than a hope, prayer and a "Legal Slingshot" took on Trey & Nicci’s case — against one of biggest, giant banks in the country.
The rest is in the history books. Laurence, the team’s lawyer, and research staff found a flaw in the bank’s actions. It seemed small. The court saw it differently. The first motion was filed and the judge stopped the bank cold. Any sale of the property was frozen - money no longer flowed to the bank directly. The tables were turned suddenly, and now the Giant was feeling the pain.
The battle roared from there. It wasn’t pretty.
The bank's high-priced lawyers threw everything they had. They could threaten homeowners but they were not so bold when they had to face a good, honest judge.
No! The battle wasn't pretty, But the FINAL RESULTS were pure beauty, a work of art for Trey & Nicci"
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$500,000 deficiency → THE BANK GOT ZERO
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$50,000 in fees & arrears → ZERO
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Bank’s legal costs → ZERO
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Trey & Nicci → $75,000 cash in their pocket
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They retired and have been enjoying their golden years ever since.
That Was Case #1 - the day a single VOICE became a CHOIR. Today? The good work continues with Case #523 documented in the public records for anyone to see — and counting.
Each win is a proven roadmap that CHORUs follows when any real estate Goliath comes calling.
CHORUs Isn’t a Law Firm. It’s a Movement Now.
We don’t list your house. We don’t refinance homes or push you into deeper debt.
We only fight for you and your family.
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No upfront fees to analyze your case
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No marble lobbies, fancy suits and fast talk.
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Just one promise:
“If a bank tries to take your home unjustly — if they violate your full rights as a Canadian homeowner — we will make them pay the price to the fullest extent of the law. Not because we say so. Because an honest judge will make them.”
You Don’t Have to Need Us to Believe in Us
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Never missed a payment? Great!
Root for us anyway. (make a donation if you can)
Every share, every referral, every “I saw what you did” keeps the light on. -
Got that "threatening" letter from the bank today, or expecting one might come?
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Is the value of your home below what you owe - and you feel trapped and stressed
You’re not alone.
You’re not prey anymore.
In a $2.7 Trillion Canadian Real Estate Game we find it hard - SHOCKING to believe that CHORUs may be a one-of-a-kind non-profit organization. Where are the winning players that will be 100% on your side - on the side of your RIGHTS, your family and your home.
Our founder saw the army of giants ready to attack. He just couldn't find a David anywhere in sight. So CHORUs was born to serve a great need.
Ready when you are.
– The CHORUs Team
It's about your RIGHTS - Join the choir.