Expert Debt Advice

Office Spotlight: Sands & Associates Prince Rupert

Sep 18, 2023

BC Licensed Insolvency Trustee firm Sands & Associates is pleased to announce the opening of its newest local office in the province – Sands & Associates’ Prince Rupert location. Founded in 1990, Sands & Associates has grown to become an...Read more

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Office Spotlight: Sands & Associates Mission

Aug 7, 2023

Since 1990, Sands & Associates’ debt experts have provided support and solutions to thousands of people across British Columbia, and now BC’s largest firm of Licensed Insolvency Trustees focused on debt help for consumers is pleased to announce the...Read more

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Risky Consumer Debts – and What to Watch For

Jun 21, 2023

While using credit is nearly unavoidable for most modern consumers, some types of debt run the risk of turning into a major problem. Are you carrying a debt that could be deemed risky? BC Licensed Insolvency Trustee Blair Mantin joined CTV News Vancouver to...Read more

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You Owe it to Yourself to Get Debt Help

May 22, 2023

Are you worried about managing debt that feels never-ending? Facing account balances that never seem to go down, no matter how many payments you make? Have you been thinking about seeking professional debt advice but been too overwhelmed or afraid to seek...Read more

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Understanding Credit Reports and Scores in Canada (Plus When, Why and How to Check Them)

Apr 24, 2023

Credit history and ratings are often a confusing aspect of money matters for Canadians, and as Licensed Insolvency Trustees we are regularly asked about how consumer credit reports work. If you’ve ever had a credit account, read on to learn the essentials...Read more

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4 Questions to Ask When Choosing a Credit Counsellor

Apr 11, 2023

When dealing with a debt problem as many as 95% of people don’t seek professional support right away. Once the decision is made to get help, it’s not uncommon for people to feel overwhelmed trying to understand what resources are available, and where to...Read more

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What’s the Difference Between Good Debt and Bad Debt?

Mar 27, 2023

What makes a debt ‘good’ or ‘bad’? Well…that depends. If you’re evaluating your personal finances read on to learn some key factors in categorizing your debts, guidance in prioritizing debt repayment, and where you can safely get qualified...Read more

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How Do I Know When to Get Professional Debt Help?

Mar 13, 2023

Many people with debt are unsure whether their situation warrants professional input, and these uncertainties and delays often cause people to remain in stressful situations that otherwise could be quickly resolved with help from a Licensed Insolvency...Read more

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Expert Debt Advice for a Debt-Free Plan

Feb 22, 2023

Money worries are often a daily stress for people struggling to pay off debt and can have serious impacts on day-to-day life. Blair Mantin, President of Sands & Associates, BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt...Read more

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Learn the Answers to Top FAQs Debt Experts Hear

Nov 16, 2022

Finding your way through the ins and outs of consumer debt can feel understandably overwhelming for the average person, and many people are unsure what to ask, or where to turn to get the facts about debt. President of Sands & Associates and BC...Read more

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Should I Be Worried? Debt Warning Signs You Shouldn’t Ignore

Oct 26, 2022

Consumers are dodging more financial obstacles than ever before, and it can be difficult to pinpoint when debt is shifting from a manageable payment to a growing problem. Blair Mantin, President of Sands & Associates, BC’s largest firm of Licensed...Read more

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Options for Consumer Debt Relief in BC

Oct 10, 2022

Many people struggling to manage their monthly debt payments or pay off their debt balances in full don’t know where to turn for help. As Licensed Insolvency Trustees, debt help is what we do! Read on to learn about different strategies and resources...Read more

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Looking for Debt Help? Start Here

Jul 22, 2022

When you’ve got debt but don’t have a plan even a modest balance can take years to pay off, and with accumulating interest charges this means paying back debt also ends up costing much more than it should. Every consumer deserves to make well-informed...Read more

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Dealing with Debt and Financial Stress in Your Relationship

Jun 24, 2022

At Sands & Associates every day we help people in BC who are struggling to manage overextended debts and want to know what they can do about it. Dealing with debt and financial issues can be major sources of stress for people, and money worries may often...Read more

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8 Things Canadians Should Know About Debt Relief Services

Jun 13, 2022

Before you commit to a debt relief option or debt management program it’s important to understand the basics about debt help and solutions available in Canada. Read on to learn about where you can find advantages in professional debt services, as well as...Read more

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Do’s and Don’ts for Credit Cards and Managing Your Credit Card Debt

Apr 8, 2022

Although credit cards are a common and often convenient payment tool, even a “small” balance can turn into a major debt problem faster than many people realize. From finding the right credit card to managing credit card bills, read on to learn do’s and...Read more

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Understanding Wage Garnishment: Can Creditors Really Take my Income if I Can’t Pay my Debt?

Mar 21, 2022

Wage garnishment is an extreme collection method that creditors may use to recover a debt owed to them. Dealing with a wage garnishment or even just the threat of one can be incredibly stressful and overwhelming, and many people don’t know what their rights...Read more

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7 Signs You Should Deal with Your Personal Debt – Now

Jan 3, 2022

Many consumers have debt repayment factored into their monthly budget as a standard expense and consider debt payments part of their regular financial affairs. But, according to some Licensed Insolvency Trustees, there are signs that often indicate a better...Read more

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3 Common Pieces of Debt Advice to Think Twice About

Dec 16, 2021

The good intentions of others can sometimes lead to receiving bad advice. And, when it comes to money matters and dealing with debt, there can be many pitfalls that often catch consumers unaware. In Canada Licensed Insolvency Trustees are the only...Read more

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9 Things Sands & Associates Licensed Insolvency Trustees Want You to Know About Dealing with a Debt Problem

Dec 3, 2021

Since 1990, Sands & Associates - BC’s largest firm of Licensed Insolvency Trustees focused on debt help services for consumers - has helped tens of thousands of people break free from debt and ultimately change their lives with a financial fresh start....Read more

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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

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Should I Work with a Debt Settlement Agent or Credit Counsellor? What’s the Difference?

Oct 8, 2021

If you’re considering getting professional debt help it’s crucial to make a fully informed decision about the organization or individual you choose to work with before moving ahead. What many BC consumers seeking debt solutions do not realize is how...Read more

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Expert Tips to Pay Down Credit Card Debt Faster

Oct 5, 2021

Although they’re a convenient payment tool and extremely common form of credit, many people end up struggling with credit card balances – sometimes for years and even decades. Whether you’ve recently made it a personal goal to pay off your credit cards...Read more

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Is Being Debt-Free Your Top Financial Priority? It (Almost Always) Should Be

Sep 24, 2021

When being debt-free seems like a goal far into the future or nearly out of reach it’s easy to get lulled into recurring financial habits and resigned to the monthly practice of making long term debt payments. As Licensed Insolvency Trustees every day we...Read more

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What is a Licensed Insolvency Trustee?

Sep 10, 2021

Although tens of thousands of Canadians proceed with formal debt solutions each year, many others who struggle with financial challenges don’t know where to turn for support when it comes to dealing with debt. It is important for consumers to not only be...Read more

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