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

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

Dealing with Business Debts in BC

Jul 16, 2018
Whether you are a sole proprietor or running a corporation, being self-employed can be financially demanding. As Licensed Insolvency Trustees, Sands & Associates are debt management professionals that can help when your business is in financial...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

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

Debt Settlement VS. Consumer Proposal

May 8, 2017
Debt settlement is a term that’s been heard more and more the past few years by consumers.  With debt settlement agents advertising heavily it’s no surprise.  As Licensed Insolvency Trustees we’re often asked “what is the difference between debt...Read more

3 Reasons to Manage your Debt Today

May 30, 2016
When people are facing a tough financial situation, it’s common to want to hope for the best and think that circumstances will change, making the money troubles more manageable.  Unfortunately, habitually postponing dealing with debts can have some...Read more

Statute of Limitations and Debts in BC

Jul 21, 2014
A group of debt experts from across the country including Blair Mantin, Vice-President and Licensed Insolvency Trustee at Sands & Associates in British Columbia, and Maritimes-based Licensed Insolvency Trustee Scott Marshall of Allan Marshall &...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

Mistakes to Avoid When Dealing with Debt

Jun 2, 2014
If you’re taking the plunge and are preparing to deal with your debts head on – kudos!  Tackling financial challenges is often an area many people avoid until they can’t possibly ignore it any longer.  When it comes to debt strategies here are a few...Read more