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Office Spotlight: Sands & Associates Cranbrook

Dec 28, 2020

Sands & Associates, British Columbia’s largest firm of Licensed Insolvency Trustees focused on debt services for individuals and small businesses, is proud to announce an addition to our local office network in the Kootenay’s region with the opening...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

4 Reasons to Get a Debt-Free Plan Today

Dec 14, 2020

The BC debt help specialists at Sands & Associates work with people across the province every day who are seeking a better way to manage their debts and get a financial fresh start. Whether it’s being unsure where to turn for answers, believing a...Read more

Helping with a Debt Problem – What You Can (and Shouldn’t) Do

Dec 2, 2020

In times of hardship many of us turn to loved ones for support – and a financial crisis is no different. As Licensed Insolvency Trustees, Sands & Associates is often contacted by people who are seeking debt advice and guidance while trying to help a...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

Tips to Help Manage Your Debt Stress

Nov 4, 2020

November is Canada’s Financial Literacy Month, with this year’s 10th anniversary theme aimed at helping Canadians learn how to manage their finances in challenging times. As BC’s largest firm of Licensed Insolvency Trustees focused on providing debt...Read more

What You Should Know About Debt Help Services in BC

Oct 20, 2020

Need some advice on how to deal with your debt? Have your found yourself facing a financial crisis, or are you just plain tired of making monthly payments that never seem to get you ahead? When it comes to finances there are experts in every area, and it’s...Read more

3 Things You Should Know About Debt Consolidation

Oct 6, 2020

Debt consolidation is often one of the first options people consider when facing debt management decisions, especially for dealing with credit card debt. Many consumers aim for a consolidation to simplify monthly payments, and hopefully even lower the monthly...Read more

BC Consumer Debt Help: Do You Know Your Consolidation Options?

Sep 28, 2020

In the most recent annual BC Consumer Debt Study undertaken by Sands & Associates, roughly 30% of indebted consumers polled said they waited to seek professional debt help because they didn’t know where to seek it – and over 35% of people who later...Read more

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

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 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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Say Goodbyeto Debt Stress

Say Goodbye
to Debt Stress