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Sands & Associates Answers your Top FAQs – Part I

Jul 25, 2016

Most people aren’t aware of how Consumer Proposals or personal bankruptcy work – so it’s no surprise that as Licensed Insolvency Trustees we get asked a lot of questions each and every day. We’ve asked some of our knowledgeable staff to answer the...Read more

Why your Credit Score Doesn’t Really Matter

Jul 11, 2016

Overall, we tend to worry a lot about what other think of us – and there’s no exception when it comes to finances. We often hear from people in serious financial crisis who are more concerned with what the bank thinks about them (via a credit score)...Read more

How To Turn Around Your Finances – 6 Simple Do’s & Don’ts

Jul 4, 2016

If you’re gearing up to turn around your finances and tackle debts, check out our top six tips to help boost your results, while avoiding some common pitfalls. Do know who you owe. Organize your statements, online bills and any creditor communications...Read more

Is Bankruptcy Right for You?

Jun 27, 2016

Personal bankruptcy is an option to achieve a financial fresh start, yet many people have misconceptions about this debt resolution option. Speak with a Licensed Insolvency Trustee to find out if a personal bankruptcy is the best way for you to get...Read more

5 Reasons Why You Should File a Consumer Proposal

Jun 20, 2016

If you’re researching how to deal with your debts using a debt consolidation, credit counselling or even bankruptcy then you’ll also want to consider a Consumer Proposal. Consumer Proposals have gained popularity in recent years, but they’re still a...Read more

3 Reasons to Manage your Debt Today

May 30, 2016

When people are facing a tough financial situation, it’s common to want to hope for the best and think that circumstances will change, making the money troubles more manageable. Unfortunately, habitually postponing dealing with debts can have some...Read more

How Much Does it Cost to File a Bankruptcy?

May 9, 2016

It’s no surprise that often the first question people considering bankruptcy ask Licensed Insolvency Trustees is “How much does a bankruptcy cost?”. Because of the legislation that sets out the rules and regulations around bankruptcy, the answer...Read more

Bankruptcy Is Not Your Only Option!

May 2, 2016

Bankruptcy is not your only debt resolution option. A Consumer Proposal is the most powerful and least well-known debt solution. Speak with a Licensed Insolvency Trustee to find out if a Consumer Proposal is the best way for you to get back on...Read more

Announcement: Licensed Insolvency Trustees – New Name, Same Amazing Service

Apr 11, 2016

Late in 2015, the Office of the Superintendent of Bankruptcy (OSB) announced upcoming changes to the insolvency professional designation throughout Canada. Effective April 1st, professionals formerly designated as Insolvency or Bankruptcy Trustees are now...Read more

Why do People File for Bankruptcy?

Mar 29, 2016

People often think that debt problems generally stem from poor budgeting or a tendency to overspend. The reality is that some of the most frequent leading factors that cause people to file a personal bankruptcy or consumer proposal are actually job loss or...Read more

Sands & Associates Releases Fourth Annual BC Consumer Debt Study

Mar 21, 2016

VANCOUVER, BRITISH COLUMBIA – March 21, 2016 Sands & Associates, BC’s largest firm of Credit Counsellors and Licensed Insolvency Trustees released results of their fourth annual BC Consumer Debt Study today. The 2016 BC Consumer Debt Study...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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