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What are the Advantages of Filing a Consumer Proposal Instead of Declaring Bankruptcy in BC?

Sep 24, 2020

Consumer Proposals are a specialized type of debt consolidation that can be used to drastically cut debt with no added interest or fees. Used to settle virtually all debts, including government debts like income taxes and student loans, Consumer Proposal...Read more

Debt Expert Do’s and Don’ts for Managing Your Debt

Sep 2, 2020

Whether due to a loss of income, unexpected expenses, illness, or a relationship ending, most people don’t expect to find themselves in a situation where they are struggling financially and can’t meet their debt payments. When seeking debt advice from a...Read more

Debt Solutions for Having Government Debts Forgiven

Aug 26, 2020

There are many different types of debts and debt solutions available to Canadians, but not all are created equal. If you have general consumer debts such as credit card debt, balances for lines of credit, overdrafts or payday loans these can be resolved with...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

Pandemic Financials: 4 Debt Management Pitfalls Consumers Should Avoid

Aug 4, 2020

Although British Columbians have thus far seen success in flattening our curve in the fight against COVID-19, our battle against money woes may be far from over. With consumer savings already low and household debt levels at an historic high, for many...Read more

Credit Cards: Before, During and After Bankruptcy

Jul 20, 2020

As Licensed Insolvency Trustees, every day we help people achieve a financial fresh start free from the burden of debt. Although there are many types of debts that Licensed Insolvency Trustees can help individuals and businesses resolve, one of the most...Read more

What To Do If You Think You Have a Debt Problem

Jul 7, 2020

As BC’s largest firm of Licensed Insolvency Trustees focused exclusively on debt solutions for individuals, Sands & Associates has helped tens of thousands of consumers get a financial fresh start over the past 30 years. Although there are sometimes...Read more

Small Business Debt – Basics, Challenges & Solutions

Jun 19, 2020

In BC virtually anyone can become self-employed and take a shot at being their own boss – unfortunately, there’s no handbook explaining the financial ins and outs. Given the difficulties of starting and maintaining a successful business, it’s no...Read more

Tips for Dealing with Credit Card Debt

Jun 16, 2020

Although one of the most common types of debts consumers can have – credit cards also tend to be the most problematic, that’s according to a BC Consumer Debt Study released earlier this year by Licensed Insolvency Trustees Sands & Associates. Credit...Read more

We Help With Debt – 30 Years and Counting

Jun 8, 2020

In early 2020 Sands & Associates reached a new milestone in their longstanding history as a firm of Licensed Insolvency Trustees dedicated to debt help services in BC - our 30-year anniversary. As we celebrate this important milestone, we would like to...Read more

Managing Debt During COVID-19 – and Planning for the Future

May 26, 2020

Even before the COVID-19 pandemic hit, many BC consumers were in precarious financial situations, leading to recent increases in personal bankruptcy and Consumer Proposal filings. As recently as February 2020, province-wide filings for bankruptcies and...Read more

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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

What is a Licensed Insolvency Trustee?

Sep 10, 2021

Although tens of thousands of Canadians proceed with formal debt solutions each year, many others who struggle with financial challenges don’t know where to turn for support when it comes to dealing with debt. It is important for consumers to not only be...Read more

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