Expert Debt Advice

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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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

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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

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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

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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

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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

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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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What You Should Know About Co-Signing Debts

Apr 19, 2021

Whether you are considering co-signing a loan with your child, signing up for a joint credit card with your spouse or even signing on to help out a close friend – when it comes to co-signed debt consumers need to be aware of the commitments and...Read more

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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

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“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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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