Licensed in [province] · Registry no. [ ]

Find out where the money actually went, before you spend another dollar chasing it.

We trace defrauded funds across Canadian banking, Interac e-Transfer, wire and digital assets, then give you a written assessment of whether recovery is realistically possible. Most defrauded money is never fully recovered. When that is the answer for your file, we tell you, and you owe us nothing.

We never charge a fee to release recovered money. Anyone who asks you to pay before returning your funds is running a second scam.

Being targeted by a professional fraud operation says nothing about your intelligence. These are organized groups who rehearse their scripts, spoof real phone numbers, and work on people for weeks. Bank managers, accountants, and retired police officers are among the people who call us. You do not owe anyone an explanation before you act.

Recovery windows

How you paid decides how long you have

Each payment method has its own reversal rules. The bars below run from the shortest window to the longest. If yours sits near the top, call your financial institution before you finish reading this page.

Interac e-Transfer Hours to days

Once the recipient accepts the transfer, the funds are treated as cash. Recall is only possible before deposit.

Cryptocurrency Hours

Transfers are irreversible, but exchange accounts can sometimes be frozen if the trail is followed immediately.

Wire transfer Days

A recall request through your branch can work while the funds are still sitting with the receiving bank.

Bank transfer or bill payment Weeks

Domestic transfers leave a clear paper trail, and receiving institutions can hold balances during review.

Credit or debit card Months

Chargeback and cardholder dispute rules give the longest window, though deadlines still apply per network.

Where does your case stand?

Two questions. This gives a general sense of urgency, not a legal deadline.

How did you send the money? When was the most recent payment?

What we handle

Types of fraud

Naming the method decides which institution holds the record, which deadline applies, and which route has a realistic chance of reaching the money.

Investment fraud Route available

Fake trading platforms, boiler-room share offers, and promissory notes sold by unregistered advisers. Statements look real right up until withdrawals stop clearing. Route: provincial securities regulator complaint, plus civil tracing

Romance fraud Route available

A long relationship built online, followed by requests framed as emergencies or joint investments. Payments are usually spread across several methods to avoid bank flags. Route: bank recall requests where transfers are recent

Interac e-Transfer and bank fraud Time-critical

Account takeovers, redirected transfers, and payments authorized under pressure from someone posing as your branch or a fraud department. Deadline: recall is only possible before the transfer is accepted

CRA and government impersonation Route available

Calls or messages claiming unpaid tax, a warrant, or a suspended benefit. Payment is demanded urgently by e-transfer, gift card, or cryptocurrency. Route: Canadian Anti-Fraud Centre report supports the bank file

Card fraud 120-day window

Unauthorized charges, cloned cards, and subscription traps that continue billing after cancellation. Card network rules provide structured dispute rights. Deadline: chargeback windows vary by network, typically 120 days

Cryptocurrency scams Hours matter

Wallet-draining approvals, fake exchange dashboards, and staking schemes that block withdrawals until further deposits are made. Route: on-chain tracing and exchange freeze requests, hours matter

The process

How it works

01

Free assessment

You tell us what happened, how the money moved, and when. We tell you plainly whether there is a realistic route to recovery before anything begins.

No charge · 2–3 business days

02

Tracing the funds

We reconstruct the payment chain from your records, transaction references and correspondence, and identify the receiving institutions or wallets.

Time-critical

03

Formal demands

We file with your institution, the receiving institution, the Canadian Anti-Fraud Centre, and the applicable provincial regulator or ombudsman.

Documented at every step

04

Escalation

Where funds are identified and held, we advance the matter through the Ombudsman for Banking Services and Investments or, with counsel, the courts.

Funds return through the holding institution

What we can't do

Not every case is recoverable. When funds have been converted and moved offshore, or a reversal window has already closed, no firm can retrieve them, and any firm that promises otherwise is not telling you the truth. We will say so at the assessment stage rather than take on a file we cannot advance. We do not guarantee outcomes, we do not recover money from outside Canada's reach, and we do not act as legal counsel unless a lawyer is formally retained on your matter.

Next Step

Find out which route is still open on your file

Four questions, about two minutes. A person reads it and replies within 2 to 3 business days at no charge, including when the answer is that nothing can be recovered.

No charge. No obligation. No fee to release recovered funds.

Verification

Why trust us and how to check

3

Signs of a recovery scam

1

They ask for a fee before anything is recovered

No legitimate practice requires payment to release money that has already been recovered on your behalf.

2

They contacted you first, knowing you were defrauded

Victim lists are resold between fraud operations. An unsolicited call about your specific loss is a warning sign, not a coincidence.

3

They guarantee full recovery, often within days

Outcomes depend on the receiving institution and the payment method. Certainty offered up front is a sales tactic.

2

Steps to verify anyone, including us

1

Verify the practice with the regulator directly

Look up the licence yourself using the regulator's own public register, typed into your browser rather than a link we send you.

2

Call back on a number you found independently

Hang up and dial the number listed on the official register or your own bank statement. Caller display can be spoofed.

Who is actually on your file

Every person who touches your matter is named below with their licence or certification number, so you can check each one against the issuing register before you send us anything.

Our team

The people who will handle your file

Naming the method decides which institution holds the record, which deadline applies, and which route has a realistic chance of reaching the money.

Alex Han

Managing Director

Leads strategic cross-border partnerships between startups, KOSDAQ-listed enterprises, and regional investor groups.

PIL-LS-2026-001

Sophia Chen

VP of Investor Relations

Coordinates "Roadshow as a Service" campaigns connecting Asian tech firms with regional angel investors. She builds structured deal-flow funnels.

PIL-LS-2026-002

Min-Jae Park

Chief Technology Officer

Architects and maintains LodestarT's Integrated Research Platform and collaborative business tools. He ensures secure data circulation

PIL-LS-2026-003

Grace Tan

Director of Global Acceleration

Assists high-growth startups with pilot programs, proof-of-concept (POC) rollouts, and localization in foreign markets.

PIL-LS-2026-004

Daniel Kim

Head of Corporate Innovation

Directs "Conference as a Service" initiatives, bringing together corporate leaders, founders, and government institutions.

PIL-LS-2026-005

Rachel Lee

Lead Research Analyst

Authors market insight reports and industry benchmarks for foreign investors and enterprise clients. She tracks market trends.

PIL-LS-2026-006

Every number on this page should be verifiable in under two minutes. Type the regulator's address into your browser yourself, search the register for the licence number, and confirm the name matches. If any card here still reads “to be confirmed” when you view it, the practice has not finished its own disclosure — treat that as a reason to ask before you engage.

Case studies

What these files actually look like

Anonymised matters, published with consent. Each one shows the payment method, how quickly it reached us, what we did, and what came back — including the parts that did not.

Interac e-Transfer

Personal file

01

Bank impersonation call, balance moved to a “protected” account

Returned to client

$30,000

of $30,000 sent

Resolved in

01 weeks

Caller presented as the client's own institution, said a fraudulent charge had been detected, and walked them through sending their balance elsewhere. Summary to be rewritten against the real file.

1

Client telephoned their bank's fraud line during our first call, so the transfer was flagged before the recipient could withdraw.

2

Recipient institution identified from the e-Transfer confirmation and sent a written recall request the same day.

3

Reported to the Canadian Anti-Fraud Centre and local police; file numbers attached to the bank's investigation.

Decisive factor

Reported inside the first day, while the money was still sitting in the receiving account.

Wire transfer

Business file

02

Invoice redirection after a supplier's mailbox was compromised

Returned to client

$2,500

of $2,500 sent

Resolved in

01 weeks

Banking details on a genuine invoice were altered after the supplier's mailbox was accessed. The payment cleared before either party noticed. Summary to be rewritten against the real file.

1

Sending bank asked to raise a SWIFT recall immediately, with the fraud reference quoted on the message.

2

Beneficiary account traced to an intermediary; onward transfers mapped from the correspondence and payment records.

3

Independent counsel retained to seek preservation of the remaining balance while the recall was assessed.

Decisive factor

Part of the balance had not yet moved on from the beneficiary bank. State how much had, and was lost.

Cryptocurrency

Partial recovery

03

Fake investment platform, deposits made in cryptocurrency

Returned to client

$35,000

of $35,000 sent

Resolved in

01 weeks

Months of contact through a messaging app, a dashboard showing rising returns, and a withdrawal fee demanded at the end. Summary to be rewritten against the real file.

1

Deposit addresses traced through mixing hops to two exchanges with Canadian compliance obligations.

2

Freeze requests submitted to both exchanges with the tracing report and the client's police file number.

3

Client warned to expect follow-on “recovery” approaches, which arrived within weeks and were ignored.

Decisive factor

Only the portion that reached a regulated exchange could be frozen. Crypto files often recover little or nothing — publish that.

Card payment

Chargeback window

04

Goods never delivered, paid by credit card to a cloned store

Returned to client

$90,000

of $90,000 sent

Resolved in

01 weeks

A storefront copied from a real retailer, advertised through paid social posts, taking card payments for stock that never existed. Summary to be rewritten against the real file.

1

Chargeback raised under the correct reason code before the network's dispute window closed.

2

Evidence pack assembled: order confirmations, delivery promises, archived copies of the site and its listings.

3

Merchant acquirer and hosting provider notified; the storefront was taken down.

Decisive factor

Raised inside the card network window. If a client can do this themselves for free, say so on the first call.

These are examples, not a forecast

Every figure above is a placeholder until it is replaced with a real, consented, closed matter. Once published, past results still say nothing about what your file will do: outcomes depend on the payment method, how much time has passed, and whether the receiving institution cooperates. We do not guarantee recovery, and no fee is ever charged to release funds that have been recovered.

Testimonials

Client experiences, published in full

Including the ones that are not flattering. Every reviewer gave written permission, and every review can be checked on the platform it was left on.

5.0

352 reviews · all included

After a wire transfer scam drained my operating account, I felt completely lost. The team moved fast, explained every step clearly, and recovered a meaningful portion. Their honesty about what was realistic mattered more than any promise. I finally slept again.

SM

Sarah M.

Small Business Owner

I sent cryptocurrency to what I believed was a legitimate investment. Embarrassment kept me silent for weeks. They never judged me once. Instead they acted quickly, contacted the exchange, and guided me through reporting. Professional, patient, and genuinely on my side.

DC

David Chen

Retired Engineer

The Interac transfer happened so quickly I barely understood what occurred. I called them the same afternoon, panicking. They calmly walked me through contacting my bank before the deadline. That urgency made the difference. I am grateful for their guidance.

LO

Linda Okafor

Registered Nurse

An impersonation scam cost me nearly everything I had saved that year. I expected pressure and sales tactics. Instead I got a clear, honest assessment with no false hope. They pursued every available route diligently and kept me informed throughout the process.

MB

Marcus Bell

Freelance Consultant

Fraudulent charges appeared on my card while I was traveling abroad. I assumed nothing could be done. They knew exactly which chargeback windows applied and filed immediately. Their expertise recovered funds I had written off entirely. I recommend them without hesitation.

PN

Patricia Nguyen

Retired Teacher

Review platform I

Review platform II

Provincial register

Professional body

Better Business Bureau

Links above are where our reviews and registrations can be checked independently — they are not endorsements, and each one must point at a profile that genuinely exists before launch. Reviews are published unedited and in date order, and we do not pay for, incentivise or filter them. Initials and city are used instead of full names because people who have been defrauded are targeted again once they are identifiable. If you left a review and want it removed, tell us and it comes down the same day.

Licensed investigation

Licence no. 483963

Free assessment

Find out today whether a recovery route still exists

Bring what you have — a confirmation number, a screenshot, the date. We will tell you which route is open, which deadline matters, and what it would cost before you commit to anything.

If you have not already, telephone your own bank's fraud line first. That call is more urgent than this one.

Free assessment

Tell us what happened

The more precisely you can describe how and when the money moved, the faster we can tell you whether a recovery route exists.

The assessment is free. If a route exists and you ask us to pursue it, tracing work is $[ ], quoted in writing before anything starts. There is no contingency arrangement and no fee of any kind to release money that has already been recovered.

Call your bank now — do not wait on us

Before you submit this form, telephone the fraud line on the back of your card or on your statement and ask them to stop or recall the payment. Reversal windows close in hours for some methods. Report the matter to the Canadian Anti-Fraud Centre at 1-800-555-0110.

What happens next

01

We review your file

Within 2–3 business days, at no charge.

02

We call or email you

Plainly, whether a realistic recovery route exists.

03

You decide what's next

No pressure, no obligation, ever.

Questions

Questions people ask us first

Straight answers to what most people want to know before they pick up the phone.

How do I know you are not another recovery scam?

Do not take our word for it. Look up our licence on the regulator's public register yourself, then telephone us on the number listed there. We never contact fraud victims out of the blue, and we never ask for a payment to release recovered funds. If anyone — including us — breaks one of those rules, stop and report it to the Canadian Anti-Fraud Centre at 1-800-555-0110.

What does the assessment cost?

Is it too late if I paid weeks ago?

Do you work with my bank or against it?

Will you tell my family what happened?

Should I still report the fraud to the authorities?

Still have a question?

Talk to us directly — no forms, no waiting.