Call Us 1-800-661-3030
4.9 Stars - Based on 2398 User Reviews

Sands & Associates Licensed Insolvency Trustees has served BC residents since 1990, with local offices throughout the province dedicated to providing best-in-class debt help services to individuals and small businesses. We are excited to announce we have expanded our lower mainland office network with the opening of Sands & Associates’ local office in Newton.

As BC’s lower mainland and the city of Surrey continue to grow, Sands & Associates aims to be there to meet people where they are, offering debt help from local experts who care. We remain committed as ever to local communities across the province, and Surrey residents have three options for in-person debt relief, consolidation and bankruptcy services with Sands & Associates Surrey city-central, White Rock and now Newton offices.

“We are grateful that over the years Sands & Associates has grown to become the Licensed Insolvency Trustee firm of choice for British Columbians. Our team of Licensed Insolvency Trustees, Insolvency Estate Managers, counsellors and client support specialists are proud of the “debt smart with heart” approach and role we have in helping people make informed decisions and dealing with their debt.

A debt problem can happen to anyone and it’s important for people to have support so they can move forward with confidence towards whatever their unique personal debt-free goals may be.” – Blair Mantin, Sands & Associates President and Licensed Insolvency Trustee

Are you outside the lower mainland? Prefer to connect digitally or over the phone? No problem! We understand that people have different needs and can offer our full suite of debt management services and consultations remotely. You can expect the same caring expertise and advice whether you meet with us in-person, via video conference or telephone – we’re here to help you.

Get started with your customized debt-free plan today, book your free non-judgmental debt consultation now.

Debt-Free Starts with a Free Consultation

Whether you want to find a better way to pay off your debt faster or are facing more serious debt impacts, you can connect with a Licensed Insolvency Trustee to talk about your situation and get free confidential advice. If you are experiencing one or more of the following signs of a debt problem, don’t delay in reaching out for support – there are solutions:

  • Increasing or overwhelming stress about money and your general finances
  • Uncertainty about how much you owe and to who
  • Only making minimum monthly payments (or paying just slightly more than the minimum required)
  • Accumulating more debt (continuing to rely on credit, using payday loans, borrowing from family or friends to make a debt payment, etc.)
  • Expecting to be paying on your non-mortgage debt for five years or more
  • Considering using assets to pay down debts or applying for, receiving or being denied a debt consolidation loan

Our non-judgmental debt consultations are free, confidential and allow you to explore all your options, including self-directed solutions, non-borrowing and borrowing options and more. In an hour or less a qualified debt help professional from Sands & Associates can help you understand your rights, remedies and resources so you can decide on the path forward that’s best for you.

Preparing for Your First Meeting with Sands & Associates – Learn More

What’s the Best Way to Consolidate Debt into One Payment?

Many Canadians aren’t aware that they do have options to consolidate debt in addition to what may be available to them via lenders – it is even possible to consolidate your debt without borrowing and achieve partial debt forgiveness using a Consumer Proposal.

Working with a Licensed Insolvency Trustee to file a Consumer Proposal allows you to control your debts and repayment plan.

Virtually all types of debt, including consumer debts (such as credit cards, lines of credit, payday loans, etc.) and government debts (like outstanding tax balances, CERB repayments, student loans and more), can be consolidated in a Consumer Proposal and cut down to what you can afford to repay.

Is a Consumer Proposal Worth It?

If you’re able to make even a modest payment on your total debt but are either unable to repay the full amount, and/or need a break on interest, a Consumer Proposal can be a great debt management solution to consider.

  • A Consumer Proposal can settle your debts in full even though the amount you need to repay will usually be substantially reduced. You may only need to repay as little as 20-50% of the total balance to consider your debts as being paid in full.

How Much Debt will a Consumer Proposal Eliminate? Learn More

  • Your Consumer Proposal will be tailored to your unique situation so that payments are manageable. Most Consumer Proposals will offer monthly payments, with terms of up to 60 months to complete your Consumer Proposal.
    • You can pay off your Consumer Proposal at any time without penalty.
  • Because a Consumer Proposal is not a loan there are no borrowing charges, interest fees or added administrative costs to pay. What you offer your creditors is what you pay – period.
    • Any added interest charges or collection activity by creditors will be stopped as soon as your Consumer Proposal is filed.

There is no cost or impact to your credit history when you have a confidential debt consultation to talk about your situation and look at all your options. Whether you ultimately decide to work on a self-directed debt repayment plan or a legal option such as a Consumer Proposal with a Licensed Insolvency Trustee, you deserve to move forward with all the information, and confidence in your decision!

Book your free confidential debt consultation now, in-person and online appointments are available with local experts 7 days a week.