Avoiding the Minimum Payment Trap of Credit Card Debt
Jul 27, 2026
Licensed Insolvency Trustees often identify credit cards as being risky for consumers to carry balances on, due to the high costs of borrowing, and increased likelihood of balances becoming unmanageable. A recent survey of BC consumers found credit card...Read more
Office Spotlight: Sands & Associates Brentwood
Jul 13, 2026
Since founding in 1990, Sands & Associates has grown to become the leading firm of Licensed Insolvency Trustees in British Columbia, with local offices throughout the province focused on debt help services and empathetic, non-judgmental support for...Read more
Consumer Debt Relief – Your Rights & Resources
Jun 16, 2026
Most consumers faced with unmanageable debt and looming collection actions don’t know what rights and recourse they can access to help their situation. For many people, knowing what rights you have when it comes to debt relief is the first step towards...Read more
Tax Tips From Debt Experts
Apr 13, 2026
Filing your annual income tax return might feel like a financial win if you’re expecting a refund, but for many Canadians filing can be a source of stress, especially if you have a balance owing on your tax return that you’ll struggle to repay. Read...Read more
How to Stop a Payday Loan Borrowing Cycle
Mar 23, 2026
Although payday loans are intended to help consumers with an unexpected financial need, many people wind up using them to cover day-to-day costs of living. Because payday and ‘fast cash’ loans come at a much higher cost than other types of borrowing...Read more
Latest BC Consumer Debt Study Finds Costs of Living Driving Personal Debt Problems
Jan 19, 2026
Over 1 in 4 consumers polled in the 2025 BC Consumer Debt Study attributed the direct main cause of their debt to using credit for essential costs of living income could not cover – a first in the BC Consumer Debt Study series 13-year...Read more
Business Bankruptcy in BC
Oct 6, 2025
Dealing with debt issues as a business owner can be overwhelming, and many people don’t know what their responsibilities, rights, and remedies are when it comes to dealing with debts incurred through their business operations. A Licensed Insolvency Trustee...Read more
Division 1 Proposals for Business Debt
Oct 6, 2025
A common misconception among business owners is that the only option to deal with a struggling business is bankruptcy or receivership, nothing in between. Business owners often feel they are at the mercy of their creditors or bank. The reality is that a...Read more
How to Manage Personal Debt and Finances Through Economic Instability
Jul 7, 2025
If you’re a BC consumer concerned about the effects of economic uncertainties on your personal finances, you’re not alone. For many people who are carrying debt, even a small change can upset a household budget and cause debt to become a serious problem....Read more
Debunking Common Consumer Debt Myths
Jun 2, 2025
Licensed Insolvency Trustees are Canada’s official debt help professionals, and we are uniquely qualified and empowered to offer advice and help to individuals looking for support and solutions to deal with their debt. Our job is to help you understand...Read more
We Help with Debt – 36 Years and Counting
Apr 22, 2025
In early 2026 Sands & Associates reached a new milestone in our longstanding history as a firm of Licensed Insolvency Trustees dedicated to consumer debt help services in BC – our 36-year anniversary! As we celebrate this important milestone, we would...Read more
New Debt Study Uncovers How Debt Problems Impact BC Consumers
Jan 27, 2025
The latest BC Consumer Debt Study from Sands & Associates shows credit card bills are the number one driver of debt problems for BC consumers – and people are waiting longer than ever to seek debt help. Having polled over 2,100 people from around...Read more
Office Spotlight: Sands & Associates Revelstoke
Dec 16, 2024
Since founding in 1990, Sands & Associates has grown to become BC’s leading firm of Licensed Insolvency Trustees focused exclusively on debt help services for consumers. Our caring team of Licensed Insolvency Trustees, Insolvency Estate Managers, and...Read more
Office Spotlight: Sands & Associates North Vancouver
Sep 23, 2024
Sands & Associates is BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt help services. Since 1990 Sands & Associates has grown to become an award-winning firm serving residents across the province, and we are proud to have...Read more
Why a Licensed Insolvency Trustee is Your Best Debt Help Resource
Jul 8, 2024
If you’ve found yourself worried about managing your debt and wondering what you should – or even can – do to get out of debt, you’re not alone. Struggling with debt can feel overwhelming and isolating and many Canadians are unsure where to turn for...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
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
New BC Study Explores Personal Debt Problems in the Province
Jan 23, 2024
The latest BC Consumer Debt Study shows that BC’s costs of living have become a key cause of debt problems, and challenges dealing with debt are taking a significant toll on the personal wellbeing of thousands of British Columbians. Having polled over...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 Much Debt is Too Much?
Nov 2, 2023
When most people seem to be carrying debt, just how do you know when you’ve got a problem? BC debt expert and Sands & Associates Licensed Insolvency Trustee Blair Mantin recently joined Global News to share some common warning signs about personal debt...Read more
Understanding Interest Rates – and Why They Matter if You Have Debt
Oct 2, 2023
Interest rate changes can have significant effects on the average consumer, with rate hikes triggering immediate changes to debt costs and payment requirements. Read on to learn what Canadian consumers should understand about interest rates, including how...Read more
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
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
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
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
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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Featured Blogs
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 Happens When You Can’t Pay Your Debt?
Jul 10, 2019
Money problems often sneak up on consumers, and few people are prepared to face unexpected financial hardships that leave them unable to repay their debts as planned. If you’re worried about being unable to pay your credit cards or other debts, read on to...Read more
