How to Manage Personal Debt and Finances Through Economic Instability
Jul 7, 2025
If you’re a BC consumer concerned about the effects of economic uncertainties on your personal finances, you’re not alone. For many people who are carrying debt, even a small change can upset a household budget and cause debt to become a serious problem....Read more
Debunking Common Consumer Debt Myths
Jun 2, 2025
Licensed Insolvency Trustees are Canada’s official debt help professionals, and we are uniquely qualified and empowered to offer advice and help to individuals looking for support and solutions to deal with their debt. Our job is to help you understand...Read more
How Does a Consumer Proposal Affect You?
May 5, 2025
A Consumer Proposal is a powerful debt solution provided by Licensed Insolvency Trustees that allows you to consolidate your debt and make your creditors an offer to repay the balance that you can reasonably afford, interest-free. Virtually all your...Read more
We Help with Debt – 36 Years and Counting
Apr 22, 2025
In early 2026 Sands & Associates reached a new milestone in our longstanding history as a firm of Licensed Insolvency Trustees dedicated to consumer debt help services in BC – our 36-year anniversary! As we celebrate this important milestone, we would...Read more
New Debt Study Uncovers How Debt Problems Impact BC Consumers
Jan 27, 2025
The latest BC Consumer Debt Study from Sands & Associates shows credit card bills are the number one driver of debt problems for BC consumers – and people are waiting longer than ever to seek debt help. Having polled over 2,100 people from around...Read more
Consumers Delay Seeking Debt Help Despite Drain on Mental Health – Latest BC Consumer Debt Study
Jan 20, 2025
Almost 4 in 5 consumers polled in the 2024 BC Consumer Debt Study say their mental health suffered being in debt and 40% of people surveyed waited more than two years to seek professional debt help. Findings from Sands & Associates’ 2024 BC...Read more
Office Spotlight: Sands & Associates Revelstoke
Dec 16, 2024
Since founding in 1990, Sands & Associates has grown to become BC’s leading firm of Licensed Insolvency Trustees focused exclusively on debt help services for consumers. Our caring team of Licensed Insolvency Trustees, Insolvency Estate Managers, and...Read more
Consumer Proposal Pros and Cons
Dec 9, 2024
Managing debt with a Consumer Proposal can offer many benefits to people looking to successfully consolidate, cut, and pay off their debt. Read on to understand key pros and cons of consolidating debt with a Consumer Proposal, and other details to know if...Read more
Do Creditors Usually Accept a Consumer Proposal?
Oct 7, 2024
Consumer Proposals filed by Sands & Associates’ Licensed Insolvency Trustees have up to a 99% success rate. Learn how making a Consumer Proposal can consolidate and cut your debt up to 80% or more without borrowing, and how the process of negotiating...Read more
Office Spotlight: Sands & Associates North Vancouver
Sep 23, 2024
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...Read more
Turned Down for a Consolidation Loan? Here’s What You Can Do
Sep 9, 2024
Debt consolidation can be a smart way to streamline multiple payments and better manage your personal debt, but getting approved for a consolidation loan with good borrowing terms can be much more difficult than many people anticipate. If you’ve been...Read more
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Featured Blogs
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
