COVID-19: Update from Sands & Associates
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How to Pay Off Student Loans in BC

Feb 26, 2018
Does it feel like you’ll never be free from student loans?  There IS hope! As Licensed Insolvency Trustees in BC, we meet with people every day who are struggling to pay off student debt.  Some are unable to find work in their chosen field, others...Read more

Bankruptcy in Canada: Four Common Myths Debunked

Nov 6, 2017
Even though there are many resources and much information available, myths and outright incorrect information about bankruptcy in Canada continue to circulate.  As Licensed Insolvency Trustees, Sands & Associates is comprised of professionals empowered...Read more

Legislated Debt Solutions for Canadians

Jul 24, 2017
If you’re a Canadian struggling with unmanageable debt there are many avenues to consider.  But did you know that there are only two options that are federally legislated to protect you from your creditors while you resolve your financial...Read more

Is Bankruptcy Right for You?

Jun 27, 2016
Personal bankruptcy is an option to achieve a financial fresh start, yet many people have misconceptions about this debt resolution option. Click the infographic to enlarge. Speak with a Licensed Insolvency Trustee to find out if a personal bankruptcy...Read more

How Much Does it Cost to File a Bankruptcy?

May 9, 2016
It’s no surprise that often the first question people considering bankruptcy ask Licensed Insolvency Trustees is “How much does a bankruptcy cost?”.  Because of the legislation that sets out the rules and regulations around bankruptcy, the answer...Read more

Why do People File for Bankruptcy?

Mar 29, 2016
People often think that debt problems generally stem from poor budgeting or a tendency to overspend.  The reality is that some of the most frequent leading factors that cause people to file a personal bankruptcy or consumer proposal are actually job loss or...Read more

Trustee in Bankruptcy Basics

Jun 23, 2014
If you’re considering meeting with a bankruptcy trustee about your debts you probably have a lot of questions about what a trustee does. If you’ve never even heard of a bankruptcy trustee or Consumer Proposal administrator there’s probably even more...Read more

5 Things you Didn’t Know about Bankruptcy

Apr 7, 2014
If you’re researching bankruptcy in BC you’ll find an overwhelming amount of available information, whether it’s from the internet, friends and family or even a financial advisor. Unfortunately, it won’t all be true… A lot of people tend to make up...Read more

Your Credit Report & Score Basics

Mar 10, 2014
Credit history is often a confusing area for Canadians. We hear misinformation from others, misunderstand what we’ve read, or mistake our American neighbours’ laws for our own. To help set the record straight we’ve outlined some credit report and credit...Read more

But what about my Credit Score?

Oct 21, 2013
Concerns about credit reports and credit scores are very common worries that people mention.  Despite the fact that their debts are causing stress, some individuals are more focused on what the credit bureau thinks of them than what they are facing (often on...Read more

Life After Bankruptcy: What to Expect

Jul 15, 2013
A very common question from people entering into bankruptcy is “What happens after bankruptcy?”  Once you’ve completed your required bankruptcy duties and have received a discharge you may be concerned about a few areas around your finances.  To help...Read more