你是否正受債權人騷擾?或因無數追債電話及信件令你增添不少壓力?你是否靠信用卡借貸度日?甚至連最低還款額也支付不起?你是否正受政府追討債務?若你對以上任何一條問題回答「是」的話,我們可以告訴你,你並不孤單 ﹗ 在二零一零年一月至十月,有超過九萬四千名加拿大人均陷於同樣的財政狀況,他們的問題都因申請破產而迎刃而解﹗另外有超過四萬二千名加拿大人採用了定期還款計劃,從而跟債權人協商處理他們的債務問題。

不管引致你無力償還債務的原因為何,「加拿大破產法」絕不限制個人申請破產。你可能因為失業、離婚、漏水房屋、醫 療開支、賭博、濫用藥物,或只因不善理財而陷入財政困難。但申請破產卻是你按個人情況而作出的決定。在E. Sands & Associates Inc., 我們明白大多數人無力償還債務的原因是一些不幸的情況造成,我們定當導你走過艱難時刻。

申請破產能為你財務問題提供一個避難所,能杜絕債權人的薪金扣押、停頓一切錢債官司及他們的追討電話,讓你可從已欠下的信用卡帳務、私人貸款合約、律師費、水電費、醫療費、汽車保險費及因法律裁判構成的債務等得以舒緩,讓你有一個重新開始的機會。

在E. Sands & Associates Inc. ,我們令你申請破產的過程更簡易,本公司由多位會計界資深人士組成,我們經驗豐富的職員會為你提供初步免費咨詢,並為你詳細分析其實際債務狀況,來衡量你 是否適合破產或符合資格申請定期還款計劃。若你符合資格,我們會為你重整你的財務,並為你跟你的債權人定出一套定期還款計劃,令你的總債務得以減輕,而你 也不需要申請破產。倘若你選擇申請破產,我們會為你預備一切有關的文件,為你進行破產申請,若有需要亦會安排舉行債權人會議,並提供兩次財政輔導,實施和 監管已通過破產令的個案,最後為你申請解除破產,及安排將你的債息攤分。

在你申請破產後,你需要按「加拿大破產法」去履行破產人所有的責任。其中包括要為你的信託人提供你現在的住址、在申報後最短九個月內,每月申報你的收入及支出、出席兩次的財政輔導,另向你的信託人繳付按你的收入及資產所定的費用。

若這是你首次申請破產,你最快可以於申請破產後九個月獲得解除。獲得解除破產是指你對既有的債務不再有法律上的責任,而你的債權人亦不能再因未還的款項而向你提出追究。這樣你便可安心重新安排你的財務。

若你對以上資料有任何問題,歡迎致電本公司向杜小姐查詢

778-735-0495 或電郵至 kto@sands-trustee.com

 

Are creditors harassing you? Are the endless phone calls and collection letters causing you stress? Are you living on your credit cards? Are you unable to maintain your minimum payments? Are you being pursued for government debt? If you answered "yes" to any of these questions, you are not alone. In the twelve-month period ending July 2016, more than 66,000 Canadians were in the same financial position and found relief by seeing a Licensed Insolvency Trustee and filing personal bankruptcy. Another 57,000 Canadians settled their debt management problems by filing a consumer proposal.

If you are not a resident of British Columbia, more information is available about bankruptcy in Canada.

No matter what the cause of your financial difficulties, the Bankruptcy and Insolvency Act does not restrict a person from filing personal bankruptcy or making a consumer proposal. For example, you could be in financial trouble due to the loss of employment, a divorce, a leaky condo, medical problems, gambling, substance abuse, or poor money management. Regardless of the reason, filing personal bankruptcy or making a consumer proposal to your creditors is based upon your unique individual circumstances and is ultimately your personal decision. In BC, both of these remedies can only be filed by utilizing the services of Licensed Insolvency Trustees. At Sands & Associates, our Licensed Insolvency Trustees understand that most people file into bankruptcy or make a consumer proposal to creditors because of unfortunate circumstances, and we will guide you through this difficult time. 

Personal bankruptcy or a consumer proposal to creditors can provide shelter from the financial storm. Each will stop virtually all legal proceedings, garnishees, and phone calls from your creditors. These legal remedies provide a fresh start by pardoning your debts including credit card debts, lines of credit, legal bills, utility bills, medical bills, automobile insurance, judgments, government debts, etc. A Licensed Insolvency Trustee can help you understand the relative merits of each of these debt management options within BC. 

At Sands & Associates, we make filing personal bankruptcy or making a consumer proposal to creditors simple. We will arrange for a free initial consultation with one of our knowledgeable staff to discuss your financial status, and help you to determine whether bankruptcy or a proposal to creditors is the right choice for you.

Should you choose to file personal bankruptcy or make a consumer proposal to your creditors, we will process the necessary paperwork, arrange for possible meetings with creditors, provide two credit counselling sessions at our convenient offices located in Vancouver, Burnaby, New Westminster, Richmond, Surrey, Langley, Coquitlam, Maple Ridge, White Rock, Abbotsford, Chilliwack, Victoria, Nanaimo, Kamloops and Kelowna. 

After you have filed personal bankruptcy or a consumer proposal, you are required to perform your duties as outlined in the Bankruptcy and Insolvency Act. Some of the duties in a personal bankruptcy include keeping the Licensed Insolvency Trustee informed of your current address, declaring your monthly income and expenses for a minimum of nine months, attending two credit counselling sessions, and paying the Licensed Insolvency Trustee an amount that is dependent upon your income and the assets that you own. 

If this is your first personal bankruptcy, the earliest that you will be eligible for your discharge is nine months after your date of filing. A discharge from bankruptcy means that your debts will be eliminated and your creditors can no longer pursue you for the outstanding amount owed. It provides peace of mind and a chance for a fresh financial start. 

If you choose to make a consumer proposal to your creditors and if the creditors and the court accept it, the contract is binding between you and the creditors. A certificate of completion, which discharges your indebtedness, will be given as long as you meet the terms of the contract and remit the appropriate funds or assets to the Licensed Insolvency Trustee.