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Meet Tammy, Hear her Debt-Free Success Story

Nov 26, 2019
Unexpected life events can make it difficult to meet financial demands, and many Canadians find themselves struggling with money problems every year. We understand that it can be difficult to take the first step of asking for help, especially if you’re used...Read more

Meet Peter, Hear his Debt-Free Success Story

Oct 23, 2019
Life events beyond our control often have serious long-term financial consequences. Despite many people’s best efforts, they’re sometimes simply unable to continue to manage their debts on their own. It’s important for consumers and business owners to...Read more

Meet Ian, Hear his Debt-Free Success Story

Sep 30, 2019
Many people wait to seek help with their debts because they’re worried there is no solution to their situation, or they fear being judged for struggling to manage their finances. The truth is that money problems can happen to anyone, and there are real...Read more

How Does a Licensed Insolvency Trustee Get Paid?

Sep 11, 2019
If you’ve been considering debt management solutions, you’ve likely discovered that there are several options available. You may also have learned that in Canada only one type of debt help professional is legally empowered and endorsed by the federal...Read more

What You Need to Know Before Consolidating Debt

Jun 10, 2019
First off – what do we mean by ‘debt consolidation’? Debt consolidation is a term that you hear a lot, and it typically means that you combine all of your debt into a single monthly payment, rather than paying each of your debts separately each month....Read more

Can you Keep your House if you File Bankruptcy?

Sep 10, 2018
Many homeowners struggling with their debts worry what will happen to their house if they claim bankruptcy. The good news is that filing a bankruptcy does not mean that you will automatically lose your home. Let’s review some of the key facts about...Read more

What Debts will a Consumer Proposal Settle?

Aug 13, 2018
Many people don’t know that they can consolidate almost all their debts in a Consumer Proposal. Unlike traditional or non-profit credit counselling programs, Consumer Proposals can even be used to deal with debt owing to Canada Revenue Agency (CRA),...Read more

How Does Debt Management Affect Credit Ratings?

May 14, 2018
Award-winning Licensed Insolvency Trustees Sands & Associates answer commonly-asked questions about debt help in BC. Q:  How does debt management affect credit ratings? A:  There are several possible debt management options available to consumers,...Read more

Bankruptcy When Married

May 7, 2018
Debt and financial difficulties often play a leading role in relationships breaking down, and most people are unsure of how a spouse filing for personal bankruptcy may impact them. Sands & Associates are Licensed Insolvency Trustees in BC and we...Read more

3 Types of Debt Consolidation in Canada

Mar 5, 2018
Many people find it’s difficult to pay off debt when they are juggling multiple creditors and debt payments monthly, each with their own set of fees and interest charges. If debt consolidation is a debt management tool you are considering, you may be...Read more

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 are...Read more

Consumer Proposals: 4 Common Myths Debunked

Jul 31, 2017
Although Consumer Proposals have been a debt solution available in British Columbia for some time, it is often a new term for people who are evaluating their options to get out of debt.  The federal government empowers one type of designated professional to...Read more
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