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.

I really appreciate your compassion and non-judgmental approach. Not to mention how straightforward and stress free you have made this process for 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 say thank you for your help… The debt was crippling us and now we have a chance to start over and right our ship so to speak.

I wanted to share this with you and hope this brings a smile to your face and satisfaction to your job in knowing you do make a difference in helping people change their lives.

I want to thank Sands & Associates again for this opportunity to resurrect my life.  There is once again a light at the end of the tunnel.  I especially want to thank you for your compassion and reassurance when I came to see you two years ago.  Without this option and your kindness, I don’t know where I would have been now.

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.