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Consolidating Debt with a Consumer Proposal: Step-by-Step

Sep 12, 2022

Making a Consumer Proposal is one of the best ways Canadians can consolidate and cut their debt. Read on to learn about key benefits to Consumer Proposal debt consolidation, how the Consumer Proposal process works in BC, and the steps involved in starting and...Read more

Is Personal Bankruptcy Right for Me?

Aug 22, 2022

If you’re struggling to manage and pay off your debts personal bankruptcy may be a formal debt forgiveness solution worth exploring. Read on to learn about the often-misunderstood personal bankruptcy process and information to help you decide whether filing...Read more

Is a Consumer Proposal Right for Me?

Aug 8, 2022

A unique alternative to both consolidation loans and personal bankruptcy, a Consumer Proposal is often one of the best options for Canadians to get debt relief. Read on to learn more about Consumer Proposals and whether making a Consumer Proposal could be the...Read more

Looking for Debt Help? Start Here

Jul 22, 2022

When you’ve got debt but don’t have a plan even a modest balance can take years to pay off, and with accumulating interest charges this means paying back debt also ends up costing much more than it should. Every consumer deserves to make well-informed...Read more

Office Spotlight: Sands & Associates Newton

Jul 11, 2022

Sands & Associates Licensed Insolvency Trustees has served BC residents since 1990, with local offices throughout the province dedicated to providing best-in-class debt help services to individuals and small businesses. We are excited to announce we have...Read more

Dealing with Debt and Financial Stress in Your Relationship

Jun 24, 2022

At Sands & Associates every day we help people in BC who are struggling to manage overextended debts and want to know what they can do about it. Dealing with debt and financial issues can be major sources of stress for people, and money worries may often...Read more

8 Things Canadians Should Know About Debt Relief Services

Jun 13, 2022

Before you commit to a debt relief option or debt management program it’s important to understand the basics about debt help and solutions available in Canada. Read on to learn about where you can find advantages in professional debt services, as well as...Read more

What Happens if I Can’t Afford my CERB Repayment?

Jun 9, 2022

Worried about repaying government benefits? You’re not alone. Many Canadian workers and families across the country who received federal support during the COVID-19 pandemic are now carrying a government debt and expected to repay their emergency...Read more

What Are My Debt Options if I’ve Done a Consumer Proposal Before?

May 26, 2022

Realizing you have a debt problem can be overwhelming, and if you’ve faced challenges with debt in the past you may have even more anxiety or uncertainty in figuring out how you can resolve your situation. If you find yourself with a debt problem again,...Read more

Can I Declare Bankruptcy More Than Once?

May 13, 2022

Being in a situation where you’re having trouble paying your debt can be incredibly overwhelming, and if you’ve gone through personal bankruptcy before to resolve a past debt problem you may be struggling with additional feelings of frustration or even...Read more

Can I Get a Mortgage After a Bankruptcy or Consumer Proposal?

Apr 22, 2022

Home ownership is a common goal for many people, and as Licensed Insolvency Trustees we often work with individuals who are worried that using a legal debt solution to get out of debt will mean sacrificing this major future financial goal. Fortunately, credit...Read more

Book your free consultation with one of our experts and start living a debt-free life.

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’s the Best Way to Consolidate my Debt?

Dec 12, 2022

Debt consolidation can make it easier for you to pay off your debt, and there are several different types of debt consolidation you might consider. Read on to learn about one of the best ways consumers can consolidate AND cut their debt without paying...Read more

9 Things Sands & Associates Licensed Insolvency Trustees Want You to Know About Dealing with a Debt Problem

Dec 3, 2021

Since 1990, Sands & Associates - BC’s largest firm of Licensed Insolvency Trustees focused on debt help services for consumers - has helped tens of thousands of people break free from debt and ultimately change their lives with a financial fresh start....Read more

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