Lazard & Associates Inc
Debt Management Services
When the weight of debt feels overwhelming,
consumer credit counselling and Debt Management services can help you get back on track

Tell us more about
your situation.
Get expert advice
on debt or bad credit.
Take action to
repair your finances.




Lazard & Associates Inc
Debt Management Ottawa
Debt management is a strategy that uses budgeting and financial planning to help you get control of your debt. A debt management plan’s objective is to employ these techniques to assist you in reducing your present debt and working toward debt elimination.
A debt management can be made by yourself or with the assistance of a credit counsellor at Lazard and associates. While the simplest course of action is to create a strategy on your own but having a partner outside of yourself to provide assistance or accountability can be beneficial. At Lazard and associates, our credit counsellors set you up with a budget and teaches you money management skills while creating a plan to assist you get rid of your debts.
Lazard & Associates Inc
Debt Management With a Credit Counsellor
Debt management is not a one-size-fits-all approach; rather, it consists of a variety of decisions you might make to help you pay off your existing bills. Having a lot of debt, whether “good debt” like a mortgage or student loans or other debts like credit card debt, can affect your credit ratings depending on how well you handle the debt.
A credit counsellor will assist you in developing a strategy for paying off your debts and, if necessary, can negotiate a debt management plan (DMP) with your creditors. In order to help you pay off your debt more quickly, it often lasts three to five years and contains concessions such a lower interest rate, a smaller monthly payment, or fee waivers. The creditor may close your accounts after each obligation is paid off, depending on your circumstances, in order to prevent accruing any additional debt.

Our Industry Experience
Why Choose Us?
- 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