• Banking and Financial Services
  • Restructuring, Bankruptcy & Insolvency
  • Commercial Real Estate and Leasing
  • Land Use Planning, Municipal & Development


Nicholas Ramessar specializes in transactional banking and financing work, as well as insolvency and realization litigation matters, including mortgage foreclosure. He also has expertise in real estate and land development transactions. Acting as litigation counsel for many years, Nicholas understands the economics and risks associated with banking and real estate transactions. He provides practical advice on minimizing risk and maximizing economic benefit for each transaction or recovery file based on his in-court experience.

Nicholas maintains a transactional banking practice focusing on debt financing transactions with a special focus on land-based security. He has extensive experience acting for lenders and financial institutions in secured and unsecured transactions including corporate lending, construction financing, and acquisition financing. Drawing upon his insolvency experience, Nicholas ensures enforceability by advising his clients on the structure of lenders’ security in complex transactions and inter-creditor matters.  

In addition, Nicholas acts on behalf of financial institutions, trustees, secured and unsecured creditors in the realization of security and debt, as well as litigating on complex contracts and financial instruments. He also offers practical advice when dealing with complex commercial contracts, priority disputes, inter-creditor disputes and mortgage foreclosure actions to ensure a cost-effective recovery.

Drawing on many years of land development litigation experience, Nicholas maintains a land-rights practice with a special emphasis on real estate, development and regulatory issues. As part of this practice, he acts as counsel on complex real estate transactions, such as land development and land titles matters, and assists developers, builders, and creative real estate investors with their projects. He has an in-depth understanding of land titles, subdivision and development appeal boards, and all forms of real estate related transactions, including joint-venture agreements for creative real estate.


  • Law Society of Alberta, 2011
  • Canadian Bar Association - Insolvency Subsection
  • Canadian Bar Association - Foreclosure Subsection
  • Calgary Bar Association
  • Turnaround Management Association


  • Bachelor of Arts, Philosophy, University of Calgary, 2006
  • Juris Doctor, University of Alberta, 2010