Personal Bankruptcy, Consumer Proposals, & Credit Counselling
Need help eliminating your debt? Licensed Insolvency Trustee Jean Lazard can help you. As a licensed debt expert Jean will explain about consumer proposals, bankruptcy and bankruptcy alternatives that are available to you. Jean can help you take control of your finances and help you get your life back on track. To arrange a free consultation to speak with Jean privately just give us a call at Call Us: 613-567-4357 or Toll Free: 1-866-560-4357.
Licensed Insolvency Trustee Jean LazardA little about our firm; Lazard & Associates Inc. is a small firm that has been operating as a Licensed Insolvency Trustee since 1999, our main office is located in Ottawa but we also have 4 satellite offices serving Ontario providing bankruptcy services to Kingston, Cornwall, Brockville and Hawkesbury and Quebec. Most of our staff is bilingual. We are the type of firm where you receive personalized service, a place where your phone calls are always returned.
Are You Bankrupt?We get this question all the time. Simply put you are eligible for personal bankruptcy under these circumstances. 1.You have a minimum of $1000. of debt. 2.You are unable to pay your debts as they come due. 3. If you were to sell off all your assets and not have enough funds to pay off your creditors.
What are my Options?Jean will take the time to understand your situation, and then explain your options to become debt free. Jean has extensive experience dealing with credit card debt, tax debts having worked himself for Revenue Canada. Basically you have three options: credit counselling, Consumer Proposal and declaring Personal Bankruptcy.
The pressure and stress a person feels when in financial trouble affects every aspect of their lives. Family and work relationships suffer and both your physical and emotional health suffers. People report that declaring Personal Bankruptcy can be one of the most cathartic experiences a person can have. It feels the weight of the world has been lifted off your shoulders; you can start to enjoy life again.
Consumer Proposals are designed for individuals whose total debt is below $250,000 (not including charges against your principal residence); you may want to consider a consumer proposal. A consumer proposal is a formal, legally binding process that is administered by a Licensed Insolvency Trustee (LIT). The proposal is basically an offer to pay creditors a percentage of what is owed to them, or extend the time you have to pay off the debts, or both.
Everyone at one time or another needs help managing their finances. If you find yourself in over your head in debt or have never learned how to manage money, you should speak to an expert. You’ll learn the difference between good credit and bad credit and how to rebuild damaged credit scores.
How we can get your life back to normal.
We'll show you how to ...
Stop Collection Calls!
Once we take your file we make sure no creditors will call you asking for money. The collection calls stop!
Most wage garnishments will cease & you will be able to enjoy your full paycheque.
Get Credit Counselling
We will make sure you get the credit counselling necessary to help you understand how to manage your finances better.
Budget & You
To most people think "budgeting" means doing without. We will teach you how your budget can help you afford anything you want.
Rebuild Your Credit
We'll show you how and when to start rebuilding your credit.
Stress Relief! Once you have decided to take action, the stess is gone and you can get your life back to normal.
Licensed Insolvency Trustee
I am the President and the sole Licensed Insolvency Trustee for the firm. I have been a Trustee since 1999. In those 18 plus years I have helped hundreds of people whose lives have been turned upside down because of debt. I hold a dual license, which means I can accept files in Ontario and Quebec. It is very important to me, that clients dealing with my firm experience a positive experience in an otherwise not so pleasant part of their lives. My team and I will always treat you with respect and dignity. Keeping in mind that the law will not always allow us to do what’s in your best interest, we will not leave you stranded with a lack of information. I will always make myself available to discuss your issues; I always return your calls. Let me and my team show you why you’ve made the right decision in choosing Lazard & Associates Inc. in your search to find a solution to dealing with your financial difficulties.
Sr. Estate Manager
I am the Sr. Estate Manager with Lazard & Associates Inc. I have been with the firm for over 12 years and I am involved pretty much with all aspects of your file. I may be the person you meet for your initial interview until you meet Mr. Lazard and I am your certified Counsellor to complete mandatory counselling sessions. I am easy to talk to and I will help you resolve your financial issues often with a smile and a laugh or two.
I am an Estate Administrator working part time with Lazard & Associates Inc. I have been with the firm for over 8 years and work behind the scenes making sure your file moves along as it should. I have a weakness for Tim Horton’s coffee.
I am a student working part time for Lazard & Associates Inc. You may have seen me in our ads over the years, so in a way I’ve been with the firm since age 5, lol. I am the person you may think is my father when I answer your call as apparently we sound the same. Come tax time, I’ll be one of the persons completing your tax return. I’m still learning the business and can answer many of your insolvency questions and most of your gym training queries…seriously!