Consumer Proposals
A consumer proposal could be your path to peace of mind
Lower your debt, keep your assets, & stop collection calls for good.
Overwhelmed by debt? A consumer proposal may be the solution you’ve been searching for. At Lazard & Associates Inc., our Licensed Insolvency Trustees help individuals just like you reduce their debt by up to 80% without declaring bankruptcy with a strategic consumer proposal.
We’re a local, family-run firm that’s helped thousands of people in Ottawa and surrounding areas regain financial control.
How does a Consumer Proposal work?
A Consumer Proposal is a government-approved debt solution that helps you regain control without declaring bankruptcy. It’s a legally binding agreement between you and your creditors that allows you to:
- Combine your unsecured debts into one manageable monthly payment
- Stop interest from growing and put an end to wage garnishments
- Avoid bankruptcy while keeping your home, car, and retirement savings
Once filed, all collection calls and legal action must stop, giving you immediate protection and peace of mind. You can structure your proposal as:
- Monthly payments (up to 60 months)
- A lump-sum offer
- Or a combination of both—whatever works best for you and your creditors
Why Choose Lazard?
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.
Licensed Insolvency Trustees (LITs)
Licensed Insolvency Trustees are the only professionals legally authorized to file consumer proposals in Canada.
Local and Family-Owned
Proudly serving Ottawa, Kingston, Cornwall, and beyond since 1999.
Free, No-obligation Consultation
Speak directly with a bilingual trustee, not a call centre. Remote and in-person consultations available.
Tailored Debt Solutions
Every proposal is customized for your unique situation. We take all of your circumstances into account.
Real People. Real Results.
Read our Google Reviews to see what our happy clients are saying.
Fantastic company to work with. Very flexible, non judgmental and all staff are pleasant and understanding. Head and shoulders above all the big names I approached at the beginning of this process. I highly recommend their services.
– Satisfied Client
Take Action Now
You don’t need to face this alone. Our team is here to help you explore your options and take the first step toward financial freedom. Speak to one of our licensed insolvency trustees and put an end to your stress.
Provide your contact information below to book your free, no-obligation, confidential consultation. Consultations can be fully remote or in-person, in English or French.
You can also book an appointment by calling us at 613-567-4357 (HELP)
We're here to help
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.