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When is Filing for Personal Bankruptcy the Best Option?

May 22, 2020

Although many people considering debt restructuring solutions first turn to borrowing with debt consolidation loans and think of personal bankruptcy as a last resort, there are many situations where filing a personal bankruptcy – or consolidating without...Read more

5 Free Debt Management Resources

May 12, 2020

Each year thousands of consumers across the province seek professional debt help solutions from Licensed Insolvency Trustees, Canada’s only government-endorsed debt management professional. For most of these people, knowing what debt management resources...Read more

What to do When You Can’t Pay a Student Loan in Canada

Apr 24, 2020

While studies have shown that students are often optimistic about their ability to earn great wages after graduation and easily repay their debts, the reality is that many may people wind up juggling student loans, in addition to other debt accumulated during...Read more

Debt Management Tips to Help Navigate the COVID-19 Crisis

Apr 3, 2020

As Licensed Insolvency Trustees serving the entire province, the debt help experts at Sands & Associates are no strangers to assisting individuals and businesses in overcoming challenging financial situations – we aid thousands of BC residents each year...Read more

How Much Does it Cost to Declare Personal Bankruptcy?

Mar 20, 2020

When finances are strained and managing debts has been a challenge for some time, it’s no surprise that one of the first questions people considering personal bankruptcy ask is “How much does a bankruptcy cost?”. Whether you need help managing debts of...Read more

5 Myths about Tax Debt

Mar 10, 2020

Although Canada Revenue Agency states that 9 out of 10 individuals who owe tax pay it on time, that still leaves a large number of Canadians carrying tax debt every year – adding up to billions in tax debt outstanding. With this year’s tax season upon...Read more

The Truth About Legal Debt Help Options – Myths Debunked

Feb 26, 2020

As a licensed debt help professional, some of the saddest words Licensed Insolvency Trustee Blair Mantin hears are “I didn’t know I had any options”. Like many complex areas of consumer legislation and laws – what you don’t know can hurt...Read more

Can a Consumer Proposal or Bankruptcy Help with Tax Debt?

Feb 20, 2020

Licensed Insolvency Trustees are often contacted by individuals and business owners who are looking for solutions to help them deal with Canada Revenue Agency (CRA) debts that they are unable to repay. If you are facing a balance owing to CRA for income tax,...Read more

New Consumer Debt Study Suggests Debt Education Lacking

Feb 14, 2020

The 2019 BC Consumer Debt Study recently released by BC Licensed Insolvency Trustees Sands & Associates has local debt help professionals concerned about where the apparent lack of financial literacy and specifically awareness of debt help may be leaving...Read more

Insolvent Consumers Weigh in on Warning Signs of Debt Problems

Feb 13, 2020

It may be one thing to hear financial advice and warnings from professionals and analysts, but it can be quite another to hear that advice from someone who’s lived through their financial tipping point. The recently released annual BC Consumer Debt Study...Read more

The True Cost of Debt – Beyond Financial Impacts

Feb 12, 2020

A new BC Consumer Debt Study recently released by Sands & Associates, the province’s largest firm of Licensed Insolvency Trustees focused exclusively on debt help for consumers and small businesses revealed startling findings, digging deep beyond the...Read more

What You Should Know About CERB Repayment Debt

Dec 21, 2020

As Licensed Insolvency Trustees we regularly hear from BC residents looking for advice, guidance and solutions on how they can manage a variety of consumer and business-related debts, including debt for money owing to both provincial and federal...Read more

How do Consumer Proposals Compare to Debt Consolidation Loans?

Nov 16, 2020

Consumer Proposals are an increasingly popular choice for Canadians seeking to better manage their debts. Known for affordable monthly payments and flexibility, a Consumer Proposal can have many benefits over choosing to consolidate debt with a consolidation...Read more

What Happens After Filing a Consumer Proposal

Aug 14, 2020

Consumer Proposals are a powerful debt management solution offered exclusively by Licensed Insolvency Trustees that can allow you to consolidate your debt legally, without borrowing or resorting to bankruptcy. Because a Consumer Proposal is not a loan, it is...Read more

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