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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

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

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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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