Assess

Review Your Financial Situation

Worried about your debts?
You're not alone.

Learn More

Plan

Understand Your Debt Resolution Options

Knowledge is power.
Start planning your debt-free future.

Learn More

Take Charge

Book a Free Consultation

Reclaim your finances and your life!
A financial fresh start awaits you.

Learn More
GET A FINANCIAL FRESH
START

BC Trustees in Bankruptcy & Debt Consolidation

Book your free consultation with one of our experts and start living a debt free life.

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Assess

Review Your
Financial Situation

Worried about your debts?
You're not alone.

Learn More

Plan

Understand Your Debt
Resolution Options

Knowledge is power.
Start planning your debt-free future.

Learn More

Take Charge

Book a
Free Consultation

Reclaim your finances and your life!
A financial fresh start awaits you.

Learn More

We Can
Cut Your Debt
by up to 80%

 

CONSUMER PROPOSALS AND PERSONAL BANKRUPTCY

Are you living on your credit cards? Are you only making, or even unable to maintain your minimum payments? Are creditors harassing you? Are the endless phone calls and collection letters causing you stress? Are you being pursued for government debt? If you answered "yes" to any of these questions, you are not alone.

HOW WE MAKE IT SIMPLE

At Sands & Associates, we believe filing personal bankruptcy or making a consumer proposal to creditors should be simple and straight-forward. We will arrange for a confidential free initial consultation with one of our knowledgeable Licensed Insolvency Trustees to discuss your financial situation, and help you to determine whether a consumer proposal or bankruptcy may be the right choice for you. Having all the relevant information about these, and other debt consolidation strategies is key to making informed decisions.

WE ARE HERE TO HELP

Should you choose to make a consumer proposal to your creditors or file personal bankruptcy, we will assist you throughout the process at one of our 15 convenient office locations in BC. We will work with you so you can achieve a debt-free future.

LOSE YOUR DEBT, NOT YOUR DIGNITY

A consumer proposal to creditors, or personal bankruptcy can provide shelter from the financial storm. Each will stop virtually all legal proceedings, garnishees, and phone calls from your creditors. These legal remedies provide a financial fresh start by pardoning your debts. A Licensed Insolvency Trustee can help you understand the relative merits of each of these debt consolidation options within BC.

Thank you so much for helping me take control of my life again.  You’re right – I’m a whole new person and I’ve got you to thank for empowering me!

I am learning a lot and working with my receipts and on developing a budget plan. This is a definite turning point in my life and it feels amazing. Your kind and patient non-judgemental help was essential, and it made all the difference.

I just wanted to take a minute to thank you all very, very much for your courtesy and friendliness…  Your friendliness and your smile always made me feel welcome and for that I am grateful to you all.

It’s hard to believe that it wasn’t so long ago that I was at the mercy of a debt I’d been carrying for close to two decades.  Had it not been for Sands & Associates I’d still be there.  I’m grateful to you for the life I have now – one where I can breathe easier, one where I’m happy.

I just wanted to take a moment to say thank you to you and your team at Sands for guiding me through this difficult season in my life. I am forever altered in my thoughts around money. It’s been a large learning curve for me in countless ways.

I received my discharge forms and felt a weight lifted off my shoulders. No valuable lessons come easy but I am grateful for yours and your team’s part in this one.

SANDS & ASSOCIATES

IN THE MEDIA

CALCULATE YOUR DEBT OPTIONS Enter your total amount of debt (excluding your mortgage and car loan) and we’ll send you a list of options.