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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

Do’s and Don’ts for Credit Cards and Managing Your Credit Card Debt

Apr 8, 2022

Although credit cards are a common and often convenient payment tool, even a “small” balance can turn into a major debt problem faster than many people realize. From finding the right credit card to managing credit card bills, read on to learn do’s and...Read more

Understanding Wage Garnishment: Can Creditors Really Take my Income if I Can’t Pay my Debt?

Mar 21, 2022

Wage garnishment is an extreme collection method that creditors may use to recover a debt owed to them. Dealing with a wage garnishment or even just the threat of one can be incredibly stressful and overwhelming, and many people don’t know what their rights...Read more

What Does it Mean for Me if My Spouse Files a Consumer Proposal?

Mar 7, 2022

Although you and your spouse may not have a legal obligation to repay each other’s debts, the financial pressures and worries of dealing with debt are often shared, potentially impacting your household and adding stress to your important...Read more

Looking for a Debt Consolidation Loan? Learn Why Borrowing Isn’t Always Best for Consolidating Debt

Feb 21, 2022

Debt consolidation loans are a popular debt management option that many people consider when they want a solution to streamline balances from credit cards, overdrafts and other basic consumer debts. While consolidating debt can provide great benefits and help...Read more

Sands & Associates Licensed Insolvency Trustees Awarded as a Best BC Business

Feb 7, 2022

Sands & Associates is proud to announce we have been recognized among BC’s best businesses, being awarded a Consumer Choice Award in the category of best Licensed Insolvency Trustees. This marks the 11th consecutive year Sands & Associates has...Read more

What Does it Mean to Have a Debt Problem? New Study Highlights BC Consumer Debt Issues

Jan 19, 2022

Money stress and worry about managing and paying off debt is a significant issue for many British Columbians - and the ninth annual BC Consumer Debt Study reveals troubling details about the individual impacts of a debt problem. The 2021 BC Consumer Debt...Read more

Costs of Living, Credit Card Balances and the COVID-19 Pandemic – Latest BC Consumer Debt Study Shows Consumer Debt a Major Blow to Mental Health & More

Jan 17, 2022

New study details impact of debt to consumer wellbeing and beyond. Credit card debt called out five times more than other types of problem debt by insolvent consumers; using credit for essential costs of living the main cause of debt reported by 18% - and...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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