Consumer Proposals Archives - Sands & Associates

Do I Qualify for Personal Bankruptcy?

Jun 10, 2024

If you’re struggling with debt you may consider whether declaring bankruptcy is a solution to help you get a financial fresh start. Read on to learn how to qualify for personal bankruptcy in BC, and get information about the number one alternative to...Read more

Bad Credit? Here’s What You Can Do

May 6, 2024

Are you struggling with debt or wondering what you can do to deal with a bad credit score and move forward financially? The good news is there are actions you can take to improve your financial situation and credit score. Read on to learn tips for...Read more

What Happens to my Tax Filings if I Make a Consumer Proposal or File Bankruptcy?

Apr 22, 2024

Consumer Proposals and bankruptcies are two different legal options that consumers in Canada can use to help deal with unmanageable debt. Both options are only accessible through working with a Licensed Insolvency Trustee. Read on to learn how...Read more

Unqualified Debt Advisors – What Consumers Need to Know

Apr 8, 2024

Are you looking for professional debt help? Before connecting with an advisor, read on to learn about debt management services in British Columbia and understand some of the regulatory gaps that can have serious impacts to consumers looking for debt...Read more

Working with a Licensed Insolvency Trustee – What to Expect

Mar 3, 2024

Are you looking for advice or help in managing your debt? Licensed Insolvency Trustees are Canada’s official debt help experts. Read on to learn why, how, and what to expect when you work with a Licensed Insolvency Trustee, from confidential consultations...Read more

What Assets Can I Keep if I Declare Bankruptcy?

Dec 18, 2023

Are you struggling with unmanageable debt but worried about giving up your vehicle, RRSPs, or other assets if you declare bankruptcy? Fortunately, there are laws in place in Canada that allow you to get debt forgiveness and protection from your creditors,...Read more

Financial and Credit Counselling with a Qualified Insolvency Counsellor

Nov 20, 2023

Studies have shown receiving professional debt help from a Licensed Insolvency Trustee can provide many positive impacts to an individual’s personal approach on money matters, through improving budgeting and savings skills, offering a better understanding...Read more

How Do I Qualify for a Consumer Proposal?

Oct 16, 2023

A Consumer Proposal can allow you to consolidate and cut your personal debt – without borrowing, added interest, or professional fees. Read on to learn about the Consumer Proposal process, and whether you might qualify to file a Consumer Proposal to deal...Read more

Is Debt Consolidation Good or Bad? Understand the Pros and Cons of Debt Consolidation

Sep 4, 2023

Consolidating your debt can help you streamline your debt payments and ultimately pay off your debts faster – but there are different types of debt consolidation, and pros, cons, and considerations for consumers to be aware of. Read on to learn the ins and...Read more

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 Can I Do to Pay Off my Debt?

May 8, 2023

Are you trying to figure out what to do about your debt, or looking for help deciding how best to pay off your debt? You are not alone! Read on to understand the different debt solutions you might consider to help you pay off your debt, and learn where BC...Read more

Consolidating Debt with a Consumer Proposal: Step-by-Step

Sep 12, 2022

Making a Consumer Proposal is one of the best ways Canadians can consolidate and cut their debt. Read on to learn about key benefits to Consumer Proposal debt consolidation, how the Consumer Proposal process works in BC, and the steps involved in starting and...Read more

Is a Consumer Proposal Right for Me?

Aug 8, 2022

A unique alternative to both consolidation loans and personal bankruptcy, a Consumer Proposal is often one of the best options for Canadians to get debt relief. Read on to learn more about Consumer Proposals and whether making a Consumer Proposal could be the...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 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

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

Learn About Your Options for Debt Forgiveness in Canada

Nov 19, 2021

Maybe you’ve seen advertisements for debt forgiveness programs, or you’ve been struggling with debt, or credit card balances that feel never-ending and wondering what, if anything, you can do about it. The good news is that there are two different options...Read more

What’s the Best Plan for Consolidated Credit Counselling?

Oct 22, 2021

From understanding the differences in debt help professionals to deciphering the ‘fine print’ of the Canadian debt relief industry, the world of debt expertise can be a confusing place for those already overwhelmed trying to solve their challenges with...Read more

10 Facts You Should Know About Consumer Proposals

May 3, 2021

Consumer Proposals are a powerful debt solution, a popular substitute to traditional consolidation loans, and Canada’s number one alternative to personal bankruptcy. Working with a Licensed Insolvency Trustee you will develop an offer to pay your creditors...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

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

Advantages of Consumer Proposals Over Bankruptcy

Sep 24, 2020

Looking for a debt solution to help you regain control of your finances and clear debt? Read on to learn about Canada’s options for consumer debt relief, and why individuals should consider filing a Consumer Proposal to consolidate and cut debt instead of...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

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