Sands & Associates is British Columbia’s largest firm of licensed Proposal Administrators and Bankruptcy Trustees focused exclusively on personal and small-business insolvency services.

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Who We Are

As Proposal Administrators and Trustees in Bankruptcy, we are the people you should call when you need a plan to deal with your debts. Founded in 1990, and operating from fifteen offices throughout British Columbia, Sands & Associates has more than 50 people available to help you resolve your financial difficulties.

What We do

We are licensed professionals, helping individuals understand their options for dealing with debt. At Sands & Associates we specialize in administering bankruptcies and proposals to both individuals and corporations. Our proposal administrators and bankruptcy trustees are licensed by the federal government to administer the legal remedies available under the Bankruptcy and Insolvency Act, and we are proud to have a large, and growing, team of qualified insolvency counselors and insolvency estate managers.

Why We Are Different

Simply put, “our strength is our people.” We are proud to be locally owned and operated and we are committed to the communities we serve. Our team is comprised of individuals who are passionate about helping people achieve a fresh financial start. We believe that money problems can happen to anyone and we pride ourselves on our non-judgmental, empathetic approach to dealing with people.

We are not a large, national accounting firm that focuses on corporate clients and just happens to do personal bankruptcy and consumer proposals too. We believe that our focus on helping individuals and small businesses in financial difficulty sets us apart from our larger competitors and has helped us become the firm of choice within BC for consumer proposals and personal bankruptcy.

Why You Should Contact Us

Our job is to help you understand your options, and, we will do this for free. When you meet with us, you will be given clear, practical explanations of your legal options to resolve your debts. You will meet with a senior member of our team whose focus will be on understanding your situation and advising you of your legal rights.

We are approachable, experienced, and friendly. Book a free consultation today and spend some time with us to understand what you need to know about solving your financial problems.

Call 1-800-661-3030 to connect to the office nearest to you or request a free consultation online today to start the process of achieving a fresh financial start.

Find a Location or give us a call… 1-800-661-3030

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.