Get the debt relief you need.

We are a family-owned credit counselling & debt relief practice serving Ottawa, Kingston, Cornwall, Eastern Ontario and Western Québec. We offer free consultations with our licensed insolvency and bankruptcy trustees.


Lazard & Associates Inc.

We are a family-owned licensed insolvency trustee practice in Ottawa, Ontario and we want to take the fear out of dealing with your debt. 

Dealing with creditors can feel like a daunting task, we help you negotiate payments that you can afford without losing your assets or your dignity. 

With more than 30 years experience in insolvency and over 25 years in business, we promise to be by your side every step of the way. Giving you the help you need to better your financial situation is what we do best, and we bring that to the table every day.

How We Help

Relieving you of your stressful financial situation is something that can be done using a variety of services. Here’s what we offer at Lazard & Associates Inc.

Types of Debt

Debt can take many forms, click below for a list of common types of debt and a brief overview of what they are.

Creditor Remedies

Let us help you understand your creditors’ rights and recourses.


Together, we’ll identify the solutions available to you and navigate through each of their benefits and implications.

Our Services


Consumer Proposals

Resolve your debt, keep your assets and stay protected all while avoiding bankruptcy with a consumer proposal.



Let our bankruptcy trustees find a final solution to deal with your debt when other options have been exhausted.

Why Choose Lazard and Associates

Very Professional, Very Understanding and Above All Very Kind Hearted Team! First time I went there I felt like a complete Loser to say the least!!! After discussing in details with Happy-go-Lucky Louise I felt 90% of my anxiety immediately gone! No word of a lie I smiled and laughed all the way home!!

– Satisfied Client