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Sands & Associates has been helping people in BC leave their debt behind for almost 30 years. As the only qualified debt professionals licensed by the Federal Government, we have the legal power to eliminate debt and get you back on track. Our dedicated team of Licensed Insolvency Trustees and Estate Managers believe that everyone deserves a fresh start, free from the overwhelming stress of debt problems.

Our Richmond office team is here to help you find a debt solution that works for you and your unique situation. Staff at Sands & Associates’ Richmond office can provide clients assistance in English, Cantonese and Mandarin.

Meet Sands & Associates’ Richmond Debt Help Team


Kimberly To: “My goal is to calm any stress or anxiety my clients may be experiencing.”

As a Licensed Insolvency Trustee with over 25 years’ experience helping individuals move towards a debt-free future, Kimberly To aims to create a comfortable space for her clients to ask questions and get help with their financial challenges.

Kristine Medeiros: “Help should always be offered with respect and dignity.”

Estate Manager Kristine Medeiros believes that taking the time to listen and understand her clients’ concerns is a key step in successfully helping them through the Consumer Proposal or personal bankruptcy processes.

Lilian Chung & Melanie Tan, Qualified Insolvency Counsellors

Qualified Insolvency Counsellors Lilian Chung and Melanie Tan work with Sands & Associates’ Richmond clients during one-on-one financial counselling sessions. Offering money management techniques, budgeting and savings strategies and credit rebuilding plans, financial counselling sessions are an integral part of the services Sands & Associates provides to our clients.

I’ve Been Turned Down for a Debt Consolidation Loan – Can Sands & Associates Help Me?

Many people find that they do not qualify for a debt consolidation loan when they are already carrying too much debt. Fortunately, as Licensed Insolvency Trustees Sands & Associates can help clients consolidate their debts through a Consumer Proposal instead of a consolidation loan, and your credit history or score are not qualifying factors.

Learn the 5 Things You Need to Know Before Consolidating Debt

If your financial situation is such that a repayment plan for even 20-40% of the debt is impossible, you may find personal bankruptcy a more suitable option for debt forgiveness. Although many people fear bankruptcy, the process is very private and often takes just nine months to exit. Click here to learn more about personal bankruptcy in BC.

How Does a Consumer Proposal Work?

A Consumer Proposal is a unique legal debt settlement option that works by combining your debts into one manageable repayment plan. Your Sands & Associates representative will work with you to propose a settlement amount to your creditors that you can afford to pay, with the remaining balance being forgiven by your creditors.

  • Debts consolidated with a Consumer Proposal may be reduced by up to 80%;
  • Interest charges are automatically stopped;
  • Creditors are not allowed to contact or harass you for payments;
  • Virtually all types of debts, from credit card debt to student loans can be consolidated with a Consumer Proposal;
  • No additional fees are charged, and you can pay off your Consumer Proposal early without penalty.

Read more Consumer Proposal FAQs here, or book your free debt consultation with Sands & Associates now.

What Clients are Saying | Sands & Associates Richmond

“I would like to take a second to thank my rep Kimberly To, and her staff…thank you from the bottom of my heart. It was the best thing we did, because it has given us a second chance…”

“Kimberley To at Sands and Associates in Richmond has been absolutely great at helping me through a difficult time.”

“I had an amazing experience Kristine has been so helpful and understanding.”

“I walked into the office of Sands and Associates, nervous, worried sick about what I was going to do and ashamed that I was in this position. An hour later, I left feeling enormously relieved, and with a smile on my face. Honestly! For the first time, I was hopeful that I would be able to change my life around. All the people I met at Sands were terrific but I have to single out Kimberly in the Richmond office. She is the best! She is so positive, knowledgeable and such a nice woman. I liked her immediately.

She walked me through the process and patiently answered all my questions. Oh my gosh, is she ever patient! By the time I left, I felt I had a solid understanding of the process.

If you find yourself in financial difficulties and think things are hopeless, go to Sands. I would recommend them with no hesitation whatsoever.”

Start living debt-free, book your confidential free debt consultation with Sands & Associates today!