LAZARD & ASSOCIATEs Inc.
Bankruptcy & Consumer Proposal Blog
Relieving you of your stressful financial situation is something that can be
done using a variety of services. Learn what debt relief solutions are available
to you with our blog articles and reach out to us to see how
Lazard & Associates can help.

Budgeting Tips for a Debt-Free Life
It might seem impossible when dealing with debt, but you can achieve a debt-free life with the right budgeting tips and strategies. No one willingly wants to be in debt. It adds unnecessary stress to


When is it Time to Hire a Licensed Insolvency Trustee?
When living paycheck to paycheck, getting caught up in trying to pay the bills can prevent you from realizing you need professional financial help. Debt can leave anyone stressed out and unsure of how to


When to Seek Debt Counselling
If you’re struggling to pay your bills, debt relief solutions have likely crossed your mind. Managing your finances doesn’t have to be difficult, all you need is to be steered in the right direction. Debt


Consumer Proposal – An Alternative to Personal Bankruptcy
The last couple of years has been incredibly hard on everyone, emotionally, physically, and financially. Job loss and medical expenses are the leading causes of bankruptcy, severely disrupting individuals’ financial stability. Before seeking debt-relief options,


Let’s Compare Bankruptcy with Credit Counselling
Expenses and debts can pile up quickly, and you’ll have no choice but to file for bankruptcy before you know it. Unemployment, medical expenses, and divorce are among the top causes of bankruptcy, all of


Surplus Income Penalty: How to Avoid it In a Consumer Proposal
Surplus income can be a tough concept to grasp when first learning about bankruptcy and its rules. It refers to the amount of money you make that is more than the government‘s guidelines (we’ll go
