Avoiding the Minimum Payment Trap of Credit Card Debt
Jul 27, 2026
Licensed Insolvency Trustees often identify credit cards as being risky for consumers to carry balances on, due to the high costs of borrowing, and increased likelihood of balances becoming unmanageable. A recent survey of BC consumers found credit card...Read more
Office Spotlight: Sands & Associates Brentwood
Jul 13, 2026
Since founding in 1990, Sands & Associates has grown to become the leading firm of Licensed Insolvency Trustees in British Columbia, with local offices throughout the province focused on debt help services and empathetic, non-judgmental support for...Read more
Consumer Debt Relief – Your Rights & Resources
Jun 16, 2026
Most consumers faced with unmanageable debt and looming collection actions don’t know what rights and recourse they can access to help their situation. For many people, knowing what rights you have when it comes to debt relief is the first step towards...Read more
Credit Cards and Consumer Proposals
May 15, 2026
Credit card bills are one of the most common types of debt consumers seek solutions for, and a Consumer Proposal can be a smart option for Canadians to clear their debt without taking out a consolidation loan. Working with a Licensed Insolvency Trustee in...Read more
Tax Tips From Debt Experts
Apr 13, 2026
Filing your annual income tax return might feel like a financial win if you’re expecting a refund, but for many Canadians filing can be a source of stress, especially if you have a balance owing on your tax return that you’ll struggle to repay. Read...Read more
How to Stop a Payday Loan Borrowing Cycle
Mar 23, 2026
Although payday loans are intended to help consumers with an unexpected financial need, many people wind up using them to cover day-to-day costs of living. Because payday and ‘fast cash’ loans come at a much higher cost than other types of borrowing...Read more
New Study Reveals BC Consumers Struggling to Meet Living Expenses Turning to Debt
Feb 2, 2026
Costs of living are now the top cause of problem debt for consumers surveyed in latest BC Consumer Debt Study from Sands & Associates. Sands & Associates’ 2025 BC Consumer Debt Study polled over 2,300 people across British Columbia who...Read more
Latest BC Consumer Debt Study Finds Costs of Living Driving Personal Debt Problems
Jan 19, 2026
Over 1 in 4 consumers polled in the 2025 BC Consumer Debt Study attributed the direct main cause of their debt to using credit for essential costs of living income could not cover – a first in the BC Consumer Debt Study series 13-year...Read more
Business Bankruptcy in BC
Oct 6, 2025
Dealing with debt issues as a business owner can be overwhelming, and many people don’t know what their responsibilities, rights, and remedies are when it comes to dealing with debts incurred through their business operations. A Licensed Insolvency Trustee...Read more
Division 1 Proposals for Business Debt
Oct 6, 2025
A common misconception among business owners is that the only option to deal with a struggling business is bankruptcy or receivership, nothing in between. Business owners often feel they are at the mercy of their creditors or bank. The reality is that a...Read more
Alternatives to Personal Bankruptcy
Aug 18, 2025
Many consumers dealing with overwhelming debt worry they have no way to solve a debt problem besides declaring bankruptcy – but this is often not the case. In Canada there are alternatives to personal bankruptcy that can help you manage, reduce, and pay...Read more
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Featured Blogs
How Do I Get a Consumer Proposal Loan?
Jul 10, 2023
Consumer Proposals are a unique solution for Canadians to consolidate and cut their debts, without needing new financing or loans. Read on to understand how filing a Consumer Proposal works, how you can finish a Consumer Proposal early – and why you should...Read more
What Happens When You Can’t Pay Your Debt?
Jul 10, 2019
Money problems often sneak up on consumers, and few people are prepared to face unexpected financial hardships that leave them unable to repay their debts as planned. If you’re worried about being unable to pay your credit cards or other debts, read on to...Read more
