According to the Toronto, Canada court services site if you have received a provincial ticket and fail to pay your fine in full, it could result in a conviction being entered against you. Upon conviction you will be required to pay the set fine including court costs and the applicable victim fine surcharge by the due date. Failure to pay the fine imposed upon conviction by the due date will result in one or more of the following:

• Refusal by the Ontario Ministry of Transportation to issue validation of your vehicle permit
• Refusal by the Ontario Ministry of Transportation to issue a vehicle permit
• Driver's license suspension
• An additional administrative fee
• The defaulted fine information is provided to a credit bureau.

The courts in Toronto note that if you need more time to pay a provincial offence fine, visit the court office noted on the back of your ticket (Offence Notice). The court will request you to fill out a form. This form will ask you how much you have paid so far and a specific date that you would like it extended to, etc. You may or may not be required to see a Justice of the Peace to give a verbal explanation and get additional time to pay your fine in full.

Toronto warns individuals whose Provincial Offences Act (POA) fines have gone into default that they can expect to hear from one of three collection agencies the City of Toronto has retained for the collection of unpaid fines. Currently these agencies include Nor Don, ARO and CBCL.

Under the Collection Agency Act, an agency is permitted to send letters and conduct follow-up calls for purposes of collecting a debt or unpaid fine. Representatives of the agencies will encourage individuals to pay the defaulted fines and/or make payment arrangements if necessary. The amount of the fine cannot be reduced or varied without a court order.

Remember the consequences of not paying the fines under the Highway Traffic Act or Compulsory Automobile Insurance Act may include the suspension of a driver's license. Losing a driver's license also incurs costs, including $150 payable to the Province of Ontario to reinstate the license.

The court site states that after receiving a ticket in Toronto you have three options:

1. Pays fine - a conviction is registered
2. Pleads guilty with explanation - a conviction is registered
3. Attends court office to file a request for trial (must complete a Notice of Intention to Appear) or phone for an appointment with a prosecutor to try to settle the charges before going to trial.

If you do not exercise one of the above options within 15 days, or if you do not appear for your trial, a Justice of the Peace will review your case and may enter a conviction in your absence. So if you did not use any of your options it is likely that you were convicted of the speeding offense and thus it will go on your record as if you plead guilty. You now though will be sought after to pay the fine and fees that you owe.

Since the conviction for the speeding offence has likely already been placed on your Ontario driving record and assessed points then it will remain there the normal amount of time whether you paid the fines or not yet. According to the MTO demerit points stay on your record for two years from the offence date.

The Ontario driver's handbook notes that convictions remain on your driver’s record for a minimum of 10 years. It is unclear if they are speaking of only criminal code offenses or any traffic violations so you should contact the MTO to see if less serious offenses stay on your driver's history for a shorter period of time.