I just had a playdate with one of my girlfriends and she is going through the exact same situation. The money she lost was significantly less ($1000) but she proceeded to go through small claims court. It costs $150 to file and she did win but even so she never got the money. I wasn't aware that in Ontario even is you win there is no guarantee to get monies back. The daycare provider is stating she has lost many daycare children and cannot afford to pay money back and doesn't have to pay! My husband is a lawyer so he helped out and stated that worst case it would only effect her credit. Sad but just something I wanted to let you know before you decided to get a lawyer or go to court so you don't risk loosing anymore. I am so sorry that happened to you I know how stressful it was for her. Best of luck