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.

Working with you literally brought light back into my life. And you are so great at being direct and effective in how you give information and communicated in ways that I can understand and not make me feel stupid – money business can often be full of jargon and make your head spin.

I just received my official discharge letter in the mail today! Thank you again so much for helping me get through this. I have learned so much, I am saving more of my pay and thinking for the future.

On behalf of my family, I would like to express our thanks for your guidance through the process. As well for the patience and the wise advice. Today I can start fresh and be assured that your teachings have fallen on fertile ground and receptive ears.

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 want to thank you again for everything and you being the special person that you are because it’s a rough time to go through and it just makes it so much easier to deal with if you can deal with somebody who is pleasant, like yourself. You’re very compassionate, understanding and that’s what makes you a winner especially in dealing with these really hard issues that people have to deal with.

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.