Consumer Credit Counselling in Surrey

Suite 203 - 10366 136A Street
Surrey, BC V3T 5R3

Located at 104 Ave and 136A St. (near King George Highway)



Monday: 8:30am to 6:00pm

Tuesday: 8:30am to 6:00pm

Wednesday: 8:30am to 7:30pm

Thursday: 8:30am to 5:00pm

Friday: 8:30am to 6:00pm

Saturday: 9:00am to 5:00pm

Deane Gurney

CIRP, B.Sc., Lic. Acct., LIT

Deane Gurney is President of Sands & Associates, a Licensed Insolvency Trustee, a member of the Canadian Association of Insolvency and Restructuring Professionals and holds a Licentiate in Accounting.  Deane has been involved in a wide range of insolvency and restructuring engagements including: instrument appointed receiver and advisor to lenders, corporate debtors and other stakeholders with respect to financial and viability assessments, security reviews and financial investigations.

Located in our New Westminster, Surrey, Tri-Cities,Thompson-Okanagan and Vancouver Island offices, Deane provides financial solutions for both companies and individuals, with over 27 years of experience practicing exclusively in the consumer and corporate insolvency and restructuring areas.

Raj Hara

CMA, CIRP, Licensed Insolvency Trustee

Raj Hara is a Vice-President of Sands & Associates, as well as a Consumer Proposal Administrator and Licensed Insolvency Trustee.  Raj is also a Certified Management Accountant and a Chartered Insolvency and Restructuring Professional.

Utilizing his broad professional experience in banking, finance, accounting, insolvency and restructuring matters, Raj provides financial options to individuals and businesses and offers services as a Proposal Trustee, Receiver, Monitor, Financial Consultant and Forensic Accountant in our Surrey, Thompson-Okanagan and Vancouver Island offices.  Raj is also capable of assisting individuals in Punjabi.

Kimberly To

BA, CGA, CIRP, Licensed Insolvency Trustee

Kimberly To is a Licensed Insolvency Trustee, a member of the Canadian Association of Insolvency and Restructuring Professionals and a Certified General Accountant with over 20 years of experience in consumer insolvency and restructuring.

Fluent in both Cantonese and Mandarin, Kimberly administers consumer proposals and bankruptcies in our Richmond and Surrey offices.

Alana Orrell

BA, CA, Estate Manager

Alana Orrell is an Insolvency Estate Manager at Sands & Associates, she is also enrolled in the CAIRP (Trustee) Qualification Program. Serving residents attending our Langley, Surrey and Vancouver offices, Alana assists personal and corporate debtors in resolving their financial issues.

Alana’s previous experience includes over 11 years of public practice in the field of accounting and auditing, working with small to medium sized businesses and non-profit organizations.  

Kristine Medeiros

Estate Manager

Kristine Medeiros is an Insolvency Estate Manager as well as a Qualified Insolvency Counsellor who has over 13 years of experience. Kristine’s main focus is administering consumer proposals to creditors as well as bankruptcies in both our Surrey and Richmond offices.

Cindy Wallas

Estate Manager

Cindy Wallas is an Insolvency Estate Manager and Qualified Insolvency Counsellor with over 13 years of experience. Cindy is able to offer assistance with debt resolution options to individuals in our Surrey and White Rock offices.

Julie Medeiros

BA, Estate Manager

Julie Medeiros is an Insolvency Estate Manager and Qualified Insolvency Counsellor in our Sands & Associates Tri-Cities and Surrey offices.  Julie has over five years of experience assisting individuals with their debt resolution options.

John Manson

Estate Manager

John Manson is an Insolvency Estate Manager based in our Surrey office with over three years of experience administering consumer proposal and bankruptcies for individuals struggling with their finances.

Joanne Fong

Estate Manager

Joanne Fong is an Insolvency Estate Manager and Qualified Insolvency Counsellor available to assist individuals with financial difficulties in our Sands & Associates Surrey office.  Joanne has over 11 years of experience and is fluent in Cantonese as well as Mandarin.