Expert Debt Advice Archives - Sands & Associates

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Office Spotlight: Sands & Associates Kitimat

Aug 23, 2021

Since its founding in Vancouver in 1990, Sands & Associates has grown to become BC’s largest firm of Licensed Insolvency Trustees focused exclusively on debt help services for individuals and small businesses. We are pleased to announce our expanded...Read more

Shopping Around to Find Your Best Debt Solution? Here’s What to Consider

Aug 9, 2021

Taking time to research and compare your options can be a sound strategy in many financial situations - from major purchases to borrowing to retirement planning, and, of course, when it comes to seeking a solution to help better manage your debt. The...Read more

How to Better Manage Credit and Debt, and Mistakes Not to Make

Jul 19, 2021

Whether your goal is to establish a good credit history, pay off your debt or boost your credit score, there are many aspects of credit ratings that are misunderstood by Canadians. More importantly, sometimes the actions we think are correct in managing our...Read more

Office Spotlight: Sands & Associates Terrace

Jul 5, 2021

Since 1990 Sands & Associates has taken great pride in helping people in BC find their best debt solution and become debt-free. Now our debt help services are reaching more consumers and small businesses than ever before, and we’re pleased to announce...Read more

How Do I Get Out of Debt? Expert Tips, Do’s and Don’ts

Jun 21, 2021

Whether you consider your debt a minor nuisance, a major category in your personal budget, or a growing headache, most Canadian consumers aim to shrink their debts as fast as possible. Unfortunately, the ins and outs of debt management can be more complicated...Read more

4 Facts About Tax Debt – Where to Get Tax Debt Help

May 27, 2021

Canada Revenue Agency (CRA) has said that 9 out of 10 Canadians file and pay their income taxes on time – so while a majority are on track, that still leaves many Canadians carrying tax debt, potentially spelling big costs and high stress levels for...Read more

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