Online Debt Calculator | Debt Consolidation BC | Sands & Associates

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Understand and Choose Your Options

Many Canadians are amazed to learn about all of the debt resolution options available to them. A Consumer Proposal, for example, provides debt reduction of up to 80%, an immediate interest freeze, and manageable monthly payments.

During your free confidential meeting with us, we will discuss all options available to you, including debt consolidation, filing a Consumer Proposal, considering personal bankruptcy, or simply sound advice on household budgeting.

The goal is to help you become debt free and equip you with the tools you need to achieve a financial fresh start with confidence.


plan-iconFour Options to Eliminate Debt

Our online debt options calculator will instantly show you the implications of four key options for eliminating your unsecured* debt over a period of time. (*excluding your mortgage and car loan)

You can also choose to have the report emailed to you by clicking at the bottom of the graphic.

What is Your Total Debt?

Send results by email

Key Assumptions

Pay in Full
Debt Consolidation
Credit Counselling
Consumer Proposal


What's my next step towards financial freedom?

Take Charge
Find out how you can achieve financial freedom
Learn About the Solutions
Proceed to step #3