Sands & Associates is BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt help services. Since 1990 Sands & Associates has grown to become an award-winning firm serving residents across the province, and we are proud to have helped tens of thousands of people clear their debt and move forward with a financial fresh start.
Sands & Associates is committed to providing support and debt solutions with a caring, non-judgmental “debt smart with heart” approach and we are excited to announce we have expanded our BC office network with the opening of Sands & Associates’ office in North Vancouver.
We believe that a debt problem can happen to anyone at any time, and that everyone deserves to live free from the overwhelming stress of debt.
“I am extremely grateful for the services provided by Sands & Associates. Their deep knowledge of finances helped create a sound financial plan that substantially reduced my debt by half.
They mediated with my creditors in a timely and professional manner and were available even on Sundays to address my concerns. Their insights have fundamentally changed the way I manage my finances. They were generous with their knowledge and empathetic to my situation.
Sands & Associates helped me overcome this burden, addressing the issues at hand which also helped my well-being … I wholeheartedly recommend their services to anyone…”
– Sands & Associates Client
Talk with a local Sands & Associates debt help expert and get a debt-free plan that’s right for you. Book your free, non-judgmental consultation today.
Get Qualified Debt Advice at No Cost
Debt can feel like an impossible problem, and many Canadians don’t know where to turn for guidance in how to deal with debt issues. A Licensed Insolvency Trustee is the best professional to turn to, and we are Canada’s only official debt help experts, fully endorsed and qualified to help consumers and business owners explore their options to manage, settle, and have debts forgiven.
To get free, qualified debt advice reach out to a Licensed Insolvency Trustee local to your province – there are no qualifiers to get confidential support, and no referral is needed.
British Columbians can connect with Sands & Associates’ Licensed Insolvency Trustees seven days a week, with our full suite of debt help services available over the phone, online, or in person from a local office near you.
Warning Signs of a Debt Problem
If you’re experiencing any of the following debt warning signs, or simply want to learn about debt management options that can help you pay off your debt faster and at less cost, talk with a Licensed Insolvency Trustee. Without taking action a growing debt problem will almost always escalate, and you owe it to yourself to get debt help and move forward with your life.
- Anxiety or stress about your finances and paying your debts
- Only being able to afford making minimum monthly payments on your credit card debt
- Debt balances that don’t change, despite making regular payments
- Reliance on credit to pay your regular monthly living expenses
- A debt repayment plan that would take more than five years to clear your (non-mortgage) debts
Learn More About Signs of a Debt Problem You Shouldn’t Ignore
Solutions to Pay Off Credit Card Debt and More
Credit card debt is a top problem debt among BC consumers and fortunately, there are options to help you get control over these and other common consumer debts including (but not limited to) payday loans and overdrafts, as well as government debts such as outstanding income tax and business GST balances, CERB overpayment, student loans and more. Solutions can include:
- Filing a Consumer Proposal, one of the fastest growing debt solutions for Canadians, and this specialized legal debt tool can consolidate and cut your debt by up to 50-80%, allowing you to clear your debt within five years.
- A Consumer Proposal is not a loan, so there is no credit check required, and no interest or professional fees are charged on top of what you repay to your creditors.
- Repaying your debt through a credit counsellor can help manage your debt if your balances are low and you have only basic consumer debts that are eligible for an informal repayment plan.
- Personal bankruptcy may be an alternative for debt relief where your income is limited and you are unlikely to be able to afford to repay a meaningful portion of your debt.
Explore these and other BC debt resources together with a Licensed Insolvency Trustee. In under an hour you can get a debt-free plan tailored to your situation, and come away with a clear outline of your next steps. You are not alone in solving a debt problem, and you have options!
Book your free, confidential debt consultation with Sands & Associates today – our caring, non-judgmental team of Licensed Insolvency Trustees, Estate Manager, and Qualified Insolvency Counsellors are here to help you.
