COVID-19 Update: Phone and video debt consultations available - read more.
| Change Text Size A A A

Get A Financial Fresh Start

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

  • This field is for validation purposes and should be left unchanged.

We Can
Cut Your Debt
by up to 80%

Consumer Proposals

Consumer Proposals

A Consumer Proposal can consolidate and cut debt with no interest. Legally write-off virtually all consumer, business and even government debt by filing a Consumer Proposal.

Learn More

BANKRUPTCY

BANKRUPTCY

The decision to file for bankruptcy is yours – no creditor or other party can stop you from seeking the protection of bankruptcy in Canada.

Learn More

DEBT CONSOLIDATION

DEBT CONSOLIDATION

There is more than one way to consolidate debt. Debt consolidation options vary considerably depending on your situation.

Learn More

COMPARE YOUR DEBT OPTIONS

COMPARE YOUR DEBT OPTIONS

Enter your total amount of debt (excluding mortgage and car loan) and we'll show you a list of options.


 

BC Licensed Insolvency Trustees: Consolidation, Consumer Proposal and Personal Bankruptcy Services

Does this sound familiar to you?

  • Worry, anxiety or constantly thinking about your debt
  • Only making, or even unable to make your minimum monthly payments
  • Relying on your credit cards to meet your costs of living
  • Feeling debt-stressed and harassed by endless collection calls or being pursued for Government debt

You are not alone – and you have options to move forward with your life, without debt. Sands & Associates is here for you.

Understand and Assess Your Debt Options at No Charge

From credit card debt to income tax debt, payday loans to student loans and more – Sands & Associates helps people assess their options for getting out of debt. When you connect with a caring professional at Sands & Associates we will take the time to understand your situation, hear your concerns and goals, and assess all the debt options available to you. We’ll help you learn about specialized debt consolidation with Consumer Proposals, how Personal Bankruptcy works and more.

Get a Plan to Become Debt-Free

You may feel overwhelmed and hopeless, but you have choices in how to deal with your debt – we want to help you take back control and make an informed decision about your future. Knowing is not owing!

We can help you implement debt solutions that suit your needs: consolidate and cut virtually all types of debt without borrowing, have your debts written-off and forgiven, get protection from creditors, or interest-free debt repayment – your debt-free plan starts here.

Sands & Associates’ Licensed Insolvency Trustees stop your debt-stress so you can move forward with confidence, debt-free. You deserve a financial fresh start!

Connect with a Caring BC Debt Help Expert

No matter what circumstances caused the debt problem, we believe you are entitled to live with dignity and without debt and its overwhelming stress. Sands & Associates’ qualified, non-judgmental professionals are dedicated to helping you understand your rights and remedies when it comes to debt, and providing professional solutions with empathy. We are proud to be described as “Debt Smart with Heart!”

Whether you decide to file Personal Bankruptcy, make a Consumer Proposal to your creditors, or consolidate your debt, we want you to feel confident in the debt solution you choose and we believe our supportive approach to debt services has helped us become the award-winning firm of choice for people in BC since 1990.

Book your free consultation
Top