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What’s the Difference Between Consumer Proposals and Bankruptcy?

Sep 24, 2018

This month’s edition of Sands & Associates’ “Ask a Licensed Insolvency Trustee” series breaks down three key differences in bankruptcy versus Consumer Proposal. Q: What’s the difference between Consumer Proposals and bankruptcy? Although they...Read more

Office Spotlight: Sands & Associates Kamloops

Sep 17, 2018

Sands & Associates’ Kamloops office is one of our two locations providing debt help solutions to consumers and small businesses in BC’s Thompson-Okanagan region. We understand that carrying debt can be tough, and sometimes the decision to open up and...Read more

Understanding the Effects of Bankruptcy – Global News Reports

Sep 11, 2018

Being in debt can be stressful and this stress can be exacerbated by a sense of shame. Many people feel ashamed about not being able to repay their debts, consequently this embarrassment means that money problems (and solutions) are not an area of finances...Read more

Can you Keep your House if you File Bankruptcy?

Sep 10, 2018

Many homeowners struggling with their debts worry what will happen to their house if they claim bankruptcy. The good news is that filing a bankruptcy does not mean that you will automatically lose your home. Let’s review some of the key facts about...Read more

4 Times Bankruptcy may be a Better Debt Solution than a Consolidation Loan

Sep 4, 2018

Many people considering debt restructuring first turn to debt consolidation loans and think of personal bankruptcy as a ‘last resort’. Here are four types of situations where filing a personal bankruptcy can actually be a better solution than a...Read more

Office Spotlight: Sands & Associates Maple Ridge

Aug 27, 2018

With a network of local offices throughout BC, when you need debt help - Sands & Associates is here for you. Our award-winning firm of Licensed Insolvency Trustees has been providing legal debt solutions to individuals and small businesses since 1990, and...Read more

How Much Does it Cost to File a Consumer Proposal?

Aug 20, 2018

Ask a Licensed Insolvency Trustee! Award-winning BC Licensed Insolvency Trustees Sands & Associates answers questions about debt help, including personal bankruptcy and Consumer Proposals. Q: How much does it cost to file a Consumer Proposal? A: The...Read more

What Debts will a Consumer Proposal Settle?

Aug 13, 2018

Many people don’t know that they can consolidate almost all their debts in a Consumer Proposal. Unlike traditional or non-profit credit counselling programs, Consumer Proposals can even be used to deal with debt owing to Canada Revenue Agency (CRA),...Read more

5 Ways Declaring Bankruptcy Does and Doesn’t Affect You

Aug 7, 2018

Personal bankruptcy is a very misunderstood process and, as a result, many people want to avoid filing bankruptcy or even considering other legal debt help options. As Licensed Insolvency Trustees we help people with debt every day and have put together a...Read more

Global News: Unexpected Debt – and What to do About it

Jul 3, 2018

While it’s common for debts to build up slowly over time, there are often cases where people are confronted with debts they were not expecting. Vancouver Licensed Insolvency Trustee Blair Mantin visited Global News to talk about some common scenarios where...Read more

How Can I Find Out if I Qualify for Bankruptcy?

Jun 25, 2018

BC’s largest firm of consumer and small business focused Licensed Insolvency Trustees Sands & Associates answer commonly-asked questions about debt and debt solutions. Q: How can I find out if I qualify for bankruptcy? A: In Canada, there are few...Read more

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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

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