Expert Debt Advice Archives - Sands & Associates

Personal Debt Check-Up: What to Look for (and What to Ignore)

Apr 5, 2021

Are you feeling unsure about where you stand when it comes to debt? Learn some key factors to consider when you’re evaluating your personal debt situation and overall financial health – we’ll also note some things you can disregard, and where to get...Read more

“It’s All Relative”: Understanding Debt Liability for Couples & Families

Mar 22, 2021

As Licensed Insolvency Trustees it’s common for us to hear from people who are concerned about someone else’s debt problem, or how their own challenges with debt might impact someone else. We often address questions from children worried about their...Read more

How to Balance Your Budget to Pay Off Debt and Cut Money Stress

Mar 5, 2021

Whether your goal is to pay off debt faster or simply manage your regular expenses without relying on credit, you need a financial plan that works for you. Maybe it feels like your financial intentions are going awry each month? You may be going off-course...Read more

Office Spotlight: Sands & Associates Squamish

Feb 22, 2021

BC’s largest firm of Licensed Insolvency Trustees focused on debt help services for individuals and small businesses is proud to announce the addition of another local office to their province-wide network. Sands & Associates’ Squamish office is now...Read more

New BC Study Highlights Detrimental Impact of Debt Problems on Mental Health and Relationships

Jan 22, 2021

The 2020 BC Consumer Debt Study, a new BC-specific study focused on consumer debt issues in the province, reveals that having a debt problem can lead to devastating impacts on a person’s mental health, physical wellbeing, and even their most important...Read more

Credit Card Debt and COVID-19 Pandemic Pushing BC Bankruptcies and Proposals – Revealing New Debt Study Goes Beyond the Numbers

Jan 11, 2021

Credit card debt five times more problematic than other types of debt reported; COVID-19 pandemic called out as factor in over half of personal insolvency filings since March 2020. The 2020 BC Consumer Debt Study conducted by Licensed Insolvency Trustee...Read more

Office Spotlight: Sands & Associates Cranbrook

Dec 28, 2020

Sands & Associates, British Columbia’s largest firm of Licensed Insolvency Trustees focused on debt services for individuals and small businesses, is proud to announce an addition to our local office network in the Kootenay’s region with the opening...Read more

What You Should Know About CERB Repayment Debt

Dec 21, 2020

As Licensed Insolvency Trustees we regularly hear from BC residents looking for advice, guidance and solutions on how they can manage a variety of consumer and business-related debts, including debt for money owing to both provincial and federal...Read more

4 Reasons to Get a Debt-Free Plan Today

Dec 14, 2020

The BC debt help specialists at Sands & Associates work with people across the province every day who are seeking a better way to manage their debts and get a financial fresh start. Whether it’s being unsure where to turn for answers, believing a...Read more

Helping with a Debt Problem – What You Can (and Shouldn’t) Do

Dec 2, 2020

In times of hardship many of us turn to loved ones for support – and a financial crisis is no different. As Licensed Insolvency Trustees, Sands & Associates is often contacted by people who are seeking debt advice and guidance while trying to help a...Read more

How do Consumer Proposals Compare to Debt Consolidation Loans?

Nov 16, 2020

Consumer Proposals are an increasingly popular choice for Canadians seeking to better manage their debts. Known for affordable monthly payments and flexibility, a Consumer Proposal can have many benefits over choosing to consolidate debt with a consolidation...Read more

Tips to Help Manage Your Debt Stress

Nov 4, 2020

November is Canada’s Financial Literacy Month, with this year’s 10th anniversary theme aimed at helping Canadians learn how to manage their finances in challenging times. As BC’s largest firm of Licensed Insolvency Trustees focused on providing debt...Read more

What You Should Know About Debt Help Services in BC

Oct 20, 2020

Need some advice on how to deal with your debt? Have your found yourself facing a financial crisis, or are you just plain tired of making monthly payments that never seem to get you ahead? When it comes to finances there are experts in every area, and it’s...Read more

BC Consumer Debt Help: Do You Know Your Consolidation Options?

Sep 28, 2020

In the most recent annual BC Consumer Debt Study undertaken by Sands & Associates, roughly 30% of indebted consumers polled said they waited to seek professional debt help because they didn’t know where to seek it – and over 35% of people who later...Read more

Debt Expert Do’s and Don’ts for Managing Your Debt

Sep 2, 2020

Whether due to a loss of income, unexpected expenses, illness, or a relationship ending, most people don’t expect to find themselves in a situation where they are struggling financially and can’t meet their debt payments. When seeking debt advice from a...Read more

Debt Solutions for Having Government Debts Forgiven

Aug 26, 2020

There are many different types of debts and debt solutions available to Canadians, but not all are created equal. If you have general consumer debts such as credit card debt, balances for lines of credit, overdrafts or payday loans these can be resolved with...Read more

Pandemic Financials: 4 Debt Management Pitfalls Consumers Should Avoid

Aug 4, 2020

Although British Columbians have thus far seen success in flattening our curve in the fight against COVID-19, our battle against money woes may be far from over. With consumer savings already low and household debt levels at an historic high, for many...Read more

Credit Cards: Before, During and After Bankruptcy

Jul 20, 2020

As Licensed Insolvency Trustees, every day we help people achieve a financial fresh start free from the burden of debt. Although there are many types of debts that Licensed Insolvency Trustees can help individuals and businesses resolve, one of the most...Read more

What To Do If You Think You Have a Debt Problem

Jul 7, 2020

As BC’s largest firm of Licensed Insolvency Trustees focused exclusively on debt solutions for individuals, Sands & Associates has helped tens of thousands of consumers get a financial fresh start over the past 30 years. Although there are sometimes...Read more

Small Business Debt – Basics, Challenges & Solutions

Jun 19, 2020

In BC virtually anyone can become self-employed and take a shot at being their own boss – unfortunately, there’s no handbook explaining the financial ins and outs. Given the difficulties of starting and maintaining a successful business, it’s no...Read more

Tips for Dealing with Credit Card Debt

Jun 16, 2020

Although one of the most common types of debts consumers can have – credit cards also tend to be the most problematic, that’s according to a BC Consumer Debt Study released earlier this year by Licensed Insolvency Trustees Sands & Associates. Credit...Read more

We Help With Debt – 30 Years and Counting

Jun 8, 2020

In early 2020 Sands & Associates reached a new milestone in their longstanding history as a firm of Licensed Insolvency Trustees dedicated to debt help services in BC - our 30-year anniversary. As we celebrate this important milestone, we would like to...Read more

Managing Debt During COVID-19 – and Planning for the Future

May 26, 2020

Even before the COVID-19 pandemic hit, many BC consumers were in precarious financial situations, leading to recent increases in personal bankruptcy and Consumer Proposal filings. As recently as February 2020, province-wide filings for bankruptcies and...Read more

5 Free Debt Management Resources

May 12, 2020

Each year thousands of consumers across the province seek professional debt help solutions from Licensed Insolvency Trustees, Canada’s only government-endorsed debt management professional. For most of these people, knowing what debt management resources...Read more

What to do When You Can’t Pay a Student Loan in Canada

Apr 24, 2020

While studies have shown that students are often optimistic about their ability to earn great wages after graduation and easily repay their debts, the reality is that many may people wind up juggling student loans, in addition to other debt accumulated during...Read more

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Fax Us 1-866-916-6096