Lazard & Associates Inc

Payday Loan Debt Solutions

A payday loan is a form of short-term loan where a lender gives high-interest credit calculated based on your income. Payday loans provide high interest rates for short-term, quick credit. They are also known as check advance loans or cash advance loans.

Payday loans are designed to fill a temporary or short-term liquidity gap up to your next paycheck. Do not use them for recurring expenses like rent, food, or utility bills. You risk getting into financial difficulty if you use them in this manner.

As with every loan, if you don’t pay back your loan by deadline, there may be severe repercussions. These repercussions could vary depending on your province’s laws. If you don’t have enough money in your account, the payday lender and your banking institution may charge you fees, your debt will continue to grow due to accumulated interest and fees, the lender may call your friends and relatives or employ the services of a collection agency which in turn goes on your credit report in an attempt to retrieve the money and your wages could be garnished if they debt remains unpaid.

If you are unable to make your payday loan instalments on time, contact our debt solutions expert today for a free consultation.

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Our Industry Experience

Why Choose Us?

It can be quite difficult to trust someone with your finances, but when it comes to personal bankruptcy, there’s no one you can trust more than Lazard & Associates. We help you reestablish your credit, pay of your debt and avoid bankruptcy through consumer proposals.
  • We have more than 20 years of experience.
  • Our associates are licensed, experienced and trusted in the community.
  • We reduce your stress by making decisions to relieve you of debt.

Lazard & Associates Inc

What Our Satisfied Clients Say About Us

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

I found Lazard and Associates to be professional and caring. After getting myself into some serious trouble, I am back on track with their help. Avoiding Bankruptcy and doing a proposal has been very helpful in reestablishing my credit quickly. I have recommended them to friends and family and happy to see that it isn't a cookie cutter approach. They take the time to do what's best for the client.”

– Satisfied Client