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Sands & Associates is pleased to announce the opening of our newest Vancouver Island office in Duncan BC! Since its founding in 1990, Sands & Associates has grown to a network of 17 local offices throughout the province and we are proud to help more people become debt-free than ever before.

Whether you’re looking for a better way to finally pay off debts, have been struggling with collection calls, or just need advice about the debt management options to consider, Sands & Associates is here to help you. 

How is Sands & Associates Different from Other Debt Relief Professionals? 

We believe that money challenges can happen to anyone, and that everyone deserves a financial fresh start and to receive help without judgment. We pride ourselves on taking a non-judgmental and supportive approach to debt help services and believe this has set us apart as industry leaders and helped us become BC’s largest firm of Licensed Insolvency Trustees focused exclusively on debt help for consumers and small businesses.

When you meet with a debt management expert at Sands & Associates you can expect to be treated with respect and empathy and leave with information you need to make decisions about your financial future with confidence.

Sands & Associates’ caring professionals will take the time to understand your unique situation and goals and explain the ins and outs of debt solutions including debt consolidation, Consumer Proposals, credit counselling, bankruptcy and more. You can decide to work with our qualified team through the solution you choose or simply get a plan of action.

All our confidential consultations are free, and you are under no obligation to move forward.

Meet Sands & Associates’ Duncan Debt Relief Team:

Jennifer Thom: “I strive to ensure each person goes home feeling happy and well-informed.”
As an Estate Manager and Qualified Insolvency Counsellor, Jennifer Thom’s goal is to make her clients feel at ease and comfortable while they work through exploring their debt options.

Raj Hara: “Debt does not define an individual. Life happens to everyone.”
Senior Vice-President of Sands & Associates and Licensed Insolvency Trustee Raj Hara believes in taking a non-judgmental and goal-oriented approach to helping individuals achieve freedom from debt.

Janet Humes: “I want people to feel relief in the knowledge that there is a solution.”
With over 20 years’ experience as a Licensed Insolvency Trustee, Janet Humes emphasizes treating her personal and business clients with respect while sharing her professional debt management skills.

Stephanie Munsie: “Getting accurate information about debt management is key to a fresh start.”
Chartered Professional Accountant and Estate Manager Stephanie Munsie focuses on solving complex financial challenges with empathy and sharing education about debt solutions with her clients.

Read What Clients are Saying About Working with Sands & Associates 

How Can I Get a Debt Consolidation Loan?

Traditional debt consolidation loans are offered by banks and credit unions. In order to get a debt consolidation loan, consumers will generally need to have a good credit history and often be willing to grant the lender security over an asset such as a home or vehicle. Because debt consolidation loans are used to simplify finances and manage debts, people often have difficulties qualifying for a traditional consolidation loan because their credit score has been impacted by carrying high credit card balances or they already hold a considerable mortgage.

Debt consolidation can also be achieved through methods besides a consolidation loan, options such as credit counselling programs can effectively combine debts into a manageable monthly payment, and Consumer Proposals can consolidate debts, stop future interest AND get a portion of the debts forgiven (written off).

Learn about Options for Debt Consolidation

How Do I Qualify for a Consumer Proposal?

Because Consumer Proposals are a unique legal debt consolidation tool offered by Licensed Insolvency Trustees that do not involve any further borrowing or extension of credit lending, they are very easy to qualify for. If you are an individual who owes more than $1,000 and you can afford a partial repayment on your overall debts, a Consumer Proposal may be an option for you.

Consumer Proposals most often offer your creditors a portion of the balance you owe, without interest – it’s common to repay as little as 20-50% of your debts, in full settlement. 

Learn about Writing-Off Debt with a Consumer Proposal

How Can I File for Bankruptcy?

In Canada individuals and businesses are not able to declare bankruptcy by themselves. If bankruptcy is a debt solution you are considering, you can get bankruptcy help from a Licensed Insolvency Trustee – we are the sole debt professional legally authorized and endorsed by the Federal Government to offer advice on and solutions for managing debt.

The first step in filing bankruptcy is to meet with a Licensed Insolvency Trustee to talk about your situation. We’ll help you assess your debts and whether there are any other viable options to solve your financial challenges. If bankruptcy is the best option, we’ll work with you throughout the entire process. Once you officially start the bankruptcy process you will get immediate relief from your debts and can exit bankruptcy debt-free as little as nine months later in most cases.

Learn more about What Happens When You Declare Bankruptcy

Taking the first step in asking for help managing your debt can be difficult, but when you’re ready to take action we’re here to help you. Your debt-free financial fresh start is waiting! 

Get debt advice, debt consolidation options, bankruptcy help and more – book your free confidential debt consultation with Sands & Associates today. Click here to see a list of all our BC locations and find your local office.