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Meet Our Team

THE SANDS & ASSOCIATES TEAM

From your first contact with us, you will understand why Sands & Associates is different from other Licensed Insolvency Trustee firms. Sands & Associates has grown to be BC’s largest personal bankruptcy firm by continually investing in our people. Our Trustees in Bankruptcy and Estate Managers are highly competent and will seek to listen first to understand the unique circumstances of your situation.

When you request a consultation, you will meet with a highly experienced insolvency professional who will take the time to advise you of all of your options so that you can make an informed decision on the right course of action for you.

We guarantee that you will be treated with respect and empathy, and we will never charge a fee for you to meet with us face-to-face to understand your options.

Meet Our Team

From All Locations

Deane Gurney

CIRP, B.Sc., Lic. Acct., President of Sands & Associates, Licensed Insolvency Trustee

Deane Gurney has 30 years of experience practicing in the areas of personal and corporate insolvency and restructuring. Deane brings his skills and deep experience to all client sessions. Deane recognizes the stress and confusion that those facing financial difficulty often feel, and uses an empowerment-through-knowledge approach. “Whenever I’m assisting a Sands & Associates client, my goal is to educate them on their financial requirements so they are better able to function in today’s financial environment,” he says.

As President of Sands & Associates, Deane’s mission is ensuring all clients receive accurate information and clear guidance that will help them move forward positively. It can be challenging for people to feel optimistic when seeking debt management and resolution help, but there is a solution for every situation. “The most important thing we do at Sands & Associates is help people resolve their financial situation so they can enjoy a financial fresh start,” says Deane.

Deane’s number one piece of advice for people seeking help with their debts:

“Trying to manage debt by yourself often makes things worse – emotionally and financially. The sooner you seek professional assistance, the sooner you will become debt-free.”

Meet with Deane today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and Kamloops.

Contact Deane to set up your appointment.

Deane Gurney has 30 years of experience practicing in the areas of personal and corporate insolvency and restructuring. Deane brings his skills and deep experience to all client sessions. Deane recognizes the stress and confusion that those facing financial difficulty...

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Blair Mantin

CMC, CIRP, Senior Vice President of Sands & Associates, Licensed Insolvency Trustee

Blair Mantin specializes in consumer insolvency and strategies for debt resolution. With 13 years of experience, Blair helps individuals and organizations facing challenging financial situations navigate the often overwhelming, and sometimes confusing, world of insolvency. While each person’s situation is unique, his approach remains the same: “Let’s take the shame and despair away from being in debt – it’s a problem like any other, and it has a solution that works just about every time.”

As Sands & Associates Senior Vice President, Blair says the most important aspect of his job is empowering clients with information about their options to become debt free. “My job is to ‘level the playing field’ from a knowledge perspective – by providing individuals with the insights they really need to resolve their situation, they are able to move forward from a position of strength,” he says.

Blair’s number one piece of advice for people seeking help with their debts:

“Never, never pay for debt advice, and be careful about who you take advice from. Only a Licensed Insolvency Trustee will give you the straight goods at absolutely no cost to you.”

Meet with Blair today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at Sands & Associates offices in Vancouver and Langley.

Contact Blair to set up your appointment.

Blair Mantin specializes in consumer insolvency and strategies for debt resolution. With 13 years of experience, Blair helps individuals and organizations facing challenging financial situations navigate the often overwhelming, and sometimes confusing, world of insolvency. While each person’s situation is...

Read More about Blair

Raj Hara

CPA, CMA, CIRP, Senior Vice President of Sands & Associates, Licensed Insolvency Trustee

In addition to being a Senior Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Professional Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience in banking, finance, accounting and insolvency matters, and specializes in helping individuals resolve their personal debts. “Assisting individuals in assessing their options for dealing with debt is my primary focus,” says Raj.

Raj’s approach to one-on-one client sessions is non-judgemental and future-oriented. He encourages clients to assess their current situation and takes the time to understand each client’s unique financial situation so he can provide a complete assessment of all possible options. He encourages clients to understand that it is possible to remove the burden of debt from their shoulders. “Debt does not define an individual. Life happens to everyone. At Sands & Associates, we assist individuals in achieving a financial fresh start,” he says.

Raj is fluent in Punjabi.

Raj’s number one piece of advice for people seeking help with their debts:

“You do not have control of what happened in the past. Let’s understand where you are today so that you can move forward to a debt-free future.”

Meet with Raj today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and New Westminster.

Contact Raj to set up your appointment.

In addition to being a Senior Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Professional Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience...

Read More about Raj

Alana Orrell

CPA, CA, CIRP, Licensed Insolvency Trustee

Alana Orrell is a Licensed Insolvency Trustee with over seven years of experience in the areas of personal and corporate insolvency, and more than 11 years of public practice in accounting, auditing and tax. Ensuring all clients she works with gain a thorough understanding of the debt resolution options available to them is her top priority. “When I’m assisting a client, the most important thing I can do is listen to ensure the solution fits the issues identified,” says Alana.

Alana’s number one piece of advice for people seeking help with their debts:

“The situation you are in is temporary. We have the knowledge and expertise to help you move on and recover from this.”

Meet with Alana today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Langley, Maple Ridge and Abbotsford offices.

Contact Alana to set up your appointment.

Alana Orrell is a Licensed Insolvency Trustee with over seven years of experience in the areas of personal and corporate insolvency, and more than 11 years of public practice in accounting, auditing and tax. Ensuring all clients she works with...

Read More about Alana

Andrew Smith

CPA, CA, CIRP, Licensed Insolvency Trustee

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions. He understands that debt help can seem complicated and feel overwhelming, but believes that with the right knowledge and a friendly approach, it doesn’t have to be. “I strive to give the best information to people about their options” he says, “giving someone a fresh start and a plan to deal with their financial problems is a key part of my role as a Licensed Insolvency Trustee.”

Andrew’s number one piece of advice for people seeking help with their debts:

“Always read the terms of contracts and agreements before signing – you should know exactly how much it will cost you to repay any money you borrow and how these costs fit into your monthly cash flow.” 

Meet with Andrew today to discuss your debt options during a free, confidential, one-on-one debt consultation. Appointments available at the Sands & Associates office in Kelowna and Penticton.

Contact Andrew to set up your appointment.

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions....

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Janet Humes

CPA, CA, CIRP, Licensed Insolvency Trustee

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track.  She strives to treat everyone with respect while providing professional guidance on how to move forward using available debt solutions, including Consumer Proposals and personal bankruptcy.  Janet’s approach in meeting with clients is clear and empathetic: “Seeking help with financial difficulties is one of the hardest and most stressful things a person can do,” she says, “I want people to leave with a feeling of relief, and the knowledge that there is a solution to their financial struggles.”

Janet’s number one piece of advice for people seeking help with their debts:

“The only dumb questions are the ones we fail to ask – always keep asking for more information or detail, until you’re comfortable with the answers given.”

Meet with Janet today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Nanaimo, Victoria, Colwood and Duncan offices.

Contact Janet to set up your appointment.

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track. ...

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Kimberly To

CIRP, CPA, CGA, Licensed Insolvency Trustee

Kimberly To has helped individuals manage and resolve their debts for 25 years. Kimberly is committed to empowering clients through offering them concise and clear information about their debt relief options. Her goal is to create a comfortable and productive environment during each one-on-one session with her Sands & Associates clients. “I aim to reduce each person’s stress by the end of our session,” says Kimberly.

Kimberly is fluent in Cantonese and Mandarin.

Kimberly’s number one piece of advice for people seeking help with their debts:

“A free consultation with a Licensed Insolvency Trustee is a great place to start. There is no obligation and you gain new, important information.”

Meet with Kimberly today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and Richmond.

Contact Kimberly to set up your appointment.

Kimberly To has helped individuals manage and resolve their debts for 25 years. Kimberly is committed to empowering clients through offering them concise and clear information about their debt relief options. Her goal is to create a comfortable and productive...

Read More about Kimberly

Laura Kehtler

BA, B.Ed, CIRP, Licensed Insolvency Trustee

Laura Kehtler is a Licensed Insolvency Trustee and has more than 15 years of experience in the area of personal insolvency. Assisting clients to regain control of their current financial situation and helping them create a foundation for long term financial health is always her goal. “Helping individuals resolve unmanageable debt so they can get a financial fresh start and focus on saving for the future is important. With every client, my hope is that they come away with a full understanding of all options available to them,” says Laura.

Laura’s number one piece of advice for people seeking help with their debts:

“Struggling with financial difficulty can feel overwhelming and hopeless. No matter the state of your financial health, it is important to know that there are options available to you to resolve your situation. There is light at the end of the tunnel.”

Meet with Laura today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates New Westminster, Chilliwack and Port Coquitlam offices.

Contact Laura to set up your appointment.

Laura Kehtler is a Licensed Insolvency Trustee and has more than 15 years of experience in the area of personal insolvency. Assisting clients to regain control of their current financial situation and helping them create a foundation for long term...

Read More about Laura

Tracey Lowe

BA, CIRP, Licensed Insolvency Trustee

Tracey Lowe has more than 20 years of experience helping individuals manage and overcome difficult financial situations. As a Licensed Insolvency Trustee, Tracey specializes in personal insolvency and restructuring, often through administering consumer proposals to creditors. For Tracey, the most important aspect of her job is restoring hope in clients. “Letting people know their options is always my goal. I enjoy helping people achieve a financial fresh start,” she says.

Tracey’s number one piece of advice for people seeking help with their debts:

“Recognize that this process can give you a fresh start – debt-free!”

Meet with Tracey today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Burnaby and White Rock offices.

Contact Tracey to set up your appointment.

Tracey Lowe has more than 20 years of experience helping individuals manage and overcome difficult financial situations. As a Licensed Insolvency Trustee, Tracey specializes in personal insolvency and restructuring, often through administering consumer proposals to creditors. For Tracey, the most...

Read More about Tracey

Alexander "Sandy" May

Licensed Insolvency Trustee

Sandy May has over 20 years’ experience in the personal debt management sector. In his time as a Licensed Insolvency Trustee Sandy has helped countless people find a solution for their debt problems, and he says it’s important for consumers to understand that money issues truly can happen to anyone.

Sandy’s number one piece of advice for people seeking help with their debts:

“Licensed Insolvency Trustees are here to help you when you need guidance on how to deal with a difficult financial situation – no cost, no judgment, no legal jargon.”

Sandy May has over 20 years' experience in the personal debt management sector. In his time as a Licensed Insolvency Trustee Sandy has helped countless people find a solution for their debt problems, and he says it's important for consumers...

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Ashley Gharlay

Estate Manager

Ashley Gharlay is an Estate Manager with a wide range of insolvency administration experience. When meeting with clients for the first time at Sands & Associates, her goal is to ensure that each person comes away feeling confident, empowered, and knowing much more about how to deal with their financial difficulties than when they first arrived. “Giving individuals who are struggling financially a chance to improve their lives, and move forward free of debt is the most important, and rewarding aspect of what I do”, says Ashley.

Ashley’s number one piece of advice for people seeking help with their debts:

“Your past does not define you, meet with a Licensed Insolvency Trustee to build a great plan for a financial fresh start.”

Meet with Ashley today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Vancouver office.

Contact Ashley to set up your appointment.

Ashley Gharlay is an Estate Manager with a wide range of insolvency administration experience. When meeting with clients for the first time at Sands & Associates, her goal is to ensure that each person comes away feeling confident, empowered, and...

Read More about Ashley

Bethany Cann

Estate Manager, Qualified Insolvency Counsellor

Bethany Cann is an Estate Manager and Qualified Insolvency Counsellor with over five years of experience working in the personal debt help industry with Sands & Associates. Bethany feels it’s important to provide debt help without judgment and says, “Through debt restructuring and financial counselling clients begin to feel empowered with knowledge of money management, and most importantly – hopeful about the future.”

Bethany’s number one piece of advice for people seeking help with their debts:

“In order to achieve your goals, let go and don’t dwell on the past. Let us help you focus on your future and get you where you want to be!”

Meet with Bethany today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Langley office.

Contact Bethany to set up your appointment.

Bethany Cann is an Estate Manager and Qualified Insolvency Counsellor with over five years of experience working in the personal debt help industry with Sands & Associates. Bethany feels it’s important to provide debt help without judgment and says, “Through...

Read More about Bethany

Cindy Wallas

Estate Manager, Qualified Insolvency Counsellor

With more than 15 years of experience, Cindy Wallas works with individual and corporate clients to resolve their debt issues. Cindy is currently enrolled in the CAIRP (Trustee) Qualification Program. Recognizing that debt management requires thorough understanding of resolution options, Cindy offers comprehensive insight and guidance, and encourages clients to take their time. “My main goal when it comes to assisting clients is to make them feel comfortable and give them as much time and information as they need to make their decision,” says Cindy.

Cindy’s number one piece of advice for people seeking help with their debts:

“Once you deal with your past debt and past financial issues, you can look towards the future with excitement and optimism.”

Meet with Cindy today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and White Rock.

Contact Cindy to set up your appointment.

With more than 15 years of experience, Cindy Wallas works with individual and corporate clients to resolve their debt issues. Cindy is currently enrolled in the CAIRP (Trustee) Qualification Program. Recognizing that debt management requires thorough understanding of resolution options,...

Read More about Cindy

Cindy Wortley

Estate Manager, Qualified Insolvency Counsellor

Finding debt solutions and providing the potential for a promising financial future is Cindy Wortley’s aim with every Sands & Associates client she sees. Cindy has more than 20 years of experience in the areas of insolvency and restructuring, including 15 years with a national professional services & chartered accounting firm. Cindy is currently enrolled in the CAIRP (Trustee) Qualification Program. Her approach emphasizes empowerment. “Providing individuals with valuable tools to deal with their financial difficulties is the most important part of my job,” says Cindy.

Cindy’s number one piece of advice for people seeking help with their debts:

“If you are struggling to find a solution to your difficult financial situation, know that only a Licensed Insolvency Trustee can provide the ultimate level of protection from creditors – often without the need of bankruptcy.”

Meet with Cindy today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Abbotsford and Maple Ridge.

Contact Cindy to set up your appointment.

Finding debt solutions and providing the potential for a promising financial future is Cindy Wortley’s aim with every Sands & Associates client she sees. Cindy has more than 20 years of experience in the areas of insolvency and restructuring, including...

Read More about Cindy

Dana Timko

Estate Manager, Qualified Insolvency Counsellor

Dana Timko has 21 years of experience in the area of insolvency, including 18 years as an Estate Manager. Dana is committed to ensuring all Sands & Associates clients she works with are thoroughly informed about their debt management and resolution options. “Although every client I see is unique, my goal for every session is the same: making sure they leave the appointment feeling like they have enough information to make a good decision about how to move forward,” says Dana. Dana specializes in consumer proposals and personal bankruptcy .

Dana’s number one piece of advice for people seeking help with their debts:

“Financial difficulties are not a reflection of who you are as a person, they are only a symptom of something bigger that you may have no control over.”

Meet with Dana today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Langley office.

Contact Dana to set up your appointment.

Dana Timko has 21 years of experience in the area of insolvency, including 18 years as an Estate Manager. Dana is committed to ensuring all Sands & Associates clients she works with are thoroughly informed about their debt management and...

Read More about Dana

Darlene Mullen

Estate Manager, Qualified Insolvency Counsellor

Darlene Mullen has more than 15 years of insolvency experience and specializes in personal debt management solutions. She is currently enrolled in the CAIRP (Trustee) Qualification Program. Darlene is committed to providing individuals the information they need to make informed choices about how to become debt free. She works closely with Sands & Associates clients to help them achieve greater control of their debt relief options, and ultimately, their futures. “The most important aspect of my job is renewing hope for individuals that there is financial relief and that they can get on with the positive aspects of their lives,” says Darlene.

Darlene’s number one piece of advice for people seeking help with their debts:

“Your financial fresh start begins the day you file for bankruptcy or file a consumer proposal. This is your opportunity to start moving forward and creating positive financial habits now.”

Meet with Darlene today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Vancouver office.

Contact Darlene to set up your appointment.

Darlene Mullen has more than 15 years of insolvency experience and specializes in personal debt management solutions. She is currently enrolled in the CAIRP (Trustee) Qualification Program. Darlene is committed to providing individuals the information they need to make informed...

Read More about Darlene

David Tang

BCom, Estate Manager

David Tang is an Estate Manager with more than seven years of insolvency administration experience.  David’s goal when meeting with clients is to ensure that they feel respected, and walk away with the right information for them to make an informed decision on their financial future.

When meeting with clients for the first time at Sands & Associates, his goal is to ensure that each person comes away feeling confident, empowered, and knowing much more about how to deal with their financial difficulties than when they first arrived. “Providing a solution to individuals so that they can get their life back is the most important part of helping clients for me”, says David.

David’s number one piece of advice for people seeking help with their debts:

“A free consultation with a Licensed Insolvency Trustee is a great place to start for you to acquire the information you need to make the best decision for you going forward.”

Meet with David today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Port Coquitlam and New Westminster offices.

Contact David to set up your appointment.

David Tang is an Estate Manager with more than seven years of insolvency administration experience.  David’s goal when meeting with clients is to ensure that they feel respected, and walk away with the right information for them to make an...

Read More about David

Jennifer Thom

Estate Manager

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt options. She believes that education is key to making the best choice in any situation: “I strive to ensure each person I meet with goes home feeling happy and well-informed about how they can deal with their debt.”

Jennifer’s number one piece of advice for people seeking help with their debts:

“The hardest part of the debt-free process is making the first phone call asking for help.”

Meet with Jennifer today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Colwood and other Vancouver Island offices.

Contact Jennifer to set up your appointment.

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt...

Read More about Jennifer

Joanne Fong

Estate Manager, Qualified Insolvency Counsellor

Joanne Fong has more than 15 years of experience assisting individuals with personal debt resolution, and specializes in personal bankruptcy and consumer proposals. As a Sands & Associates Estate Manager, Joanne’s goal during one-on-one sessions with clients is to offer clarity, practical insight and hope. “Helping my clients see that there is light at the end of the tunnel is the most important aspect of what I do,” says Joanne.

Joanne is also fluent in Cantonese and Mandarin.

Joanne’s number one piece of advice for people seeking help with their debts:

“Recognize that there are many ways to move forward. A licensed professional will inform you of avenues you can pursue.”

Meet with Joanne today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates office in Surrey.

Contact Joanne to set up your appointment.

Joanne Fong has more than 15 years of experience assisting individuals with personal debt resolution, and specializes in personal bankruptcy and consumer proposals. As a Sands & Associates Estate Manager, Joanne’s goal during one-on-one sessions with clients is to offer...

Read More about Joanne

John Manson

Estate Manager, Qualified Insolvency Counsellor

John Manson has 7 years of personal insolvency experience. John is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often daunting and misunderstood aspects of debt resolution. “The most important part of my job is informing people of the laws around dealing with debt and how it affects their situation,” says John.

John’s number one piece of advice for people seeking help with their debts:

“Take full advantage of the tools and information you receive from your Licensed Insolvency Trustee. The more that you put into the process, the more you can get out of it.”

Meet with John today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey and Kamloops.

Contact John to set up your appointment.

John Manson has 7 years of personal insolvency experience. John is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often...

Read More about John

Judy Keu

Estate Manager

Judy Keu is an Estate Manager with a wide range of insolvency administration experience. When
meeting with clients to review their financial situation Judy’s goal is to always ensure that her
clients find a comfortable environment to discuss their financial difficulties. She believes that
having the right knowledge and a clear understanding of all available legal debt options are
crucial for anyone who is struggling financially. “Helping individuals move forward to a financial
fresh start is one of the most rewarding aspects of my job.” says Judy.

Judy’s number one piece of advice for people seeking help with their debts:

“Debt can happen to anyone, the most important thing to remember is that it is never too late to
seek advice and to re-establish your financial stability.”

Meet with Judy today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates New Westminster office.

Contact Judy to set up your appointment.

Judy Keu is an Estate Manager with a wide range of insolvency administration experience. When meeting with clients to review their financial situation Judy’s goal is to always ensure that her clients find a comfortable environment to discuss their financial difficulties. She...

Read More about Judy

Julie Cho

BA, Estate Manager

Julie Cho is a Sands & Associates Estate Manager with over five years personal insolvency experience. She feels that sharing professional knowledge and understanding of legal debt management options is key to helping people move beyond their financial difficulties and gain a financial fresh start. “My priority is to address my client’s main concerns, and provide them with the information they need in order to fully consider all options available in their situation,” says Julie.

Julie’s number one piece of advice for people seeking help with their debts:

“If you’re concerned, or even overwhelmed by your debts – don’t delay in speaking to a Licensed Insolvency Trustee. We are here to help you!”

Meet with Julie today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates downtown Vancouver office.

Contact Julie to set up your appointment.

Julie Cho is a Sands & Associates Estate Manager with over five years personal insolvency experience. She feels that sharing professional knowledge and understanding of legal debt management options is key to helping people move beyond their financial difficulties and...

Read More about Julie

Julie Medeiros

BA, Estate Manager, Qualified Insolvency Counsellor

Julie Medeiros has more than 8 years of experience assisting individuals manage and resolve their debts. Julie works with clients to help them better understand their debt resolution options. Julie conducts a full assessment of each client’s financial situation and focuses on educating them on their rights. Her goal with every Sands & Associates client that she works with is ensuring they clearly understand the options available to them so they can move forward confidently. “Helping clients achieve a financial fresh start is the most important aspect of my job,” says Julie.

Julie’s number one piece of advice for people seeking help with their debts:

“It is possible to transform your situation and achieve financial freedom. Once you begin working with a licensed professional to resolve your debts, you will feel your financial stress lessen.”

Meet with Julie today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates office in Port Coquitlam.

Contact Julie to set up your appointment.

Julie Medeiros has more than 8 years of experience assisting individuals manage and resolve their debts. Julie works with clients to help them better understand their debt resolution options. Julie conducts a full assessment of each client’s financial situation and...

Read More about Julie

Karen Wright

Estate Manager, Qualified Insolvency Counsellor

Karen Wright has 25 years of experience helping people find debt solutions and overcome financial difficulty. Specializing in personal insolvency, Karen recognizes the impact challenging financial situations have on clients’ lives. “My goal is to help all clients I work with get back on track financially so they can enjoy a better quality of life,” says Karen. During her sessions with Sands & Associates clients, Karen creates an environment where they can feel comfortable talking about their financial situations.

Karen’s number one piece of advice for people seeking help with their debts:

“Debt can happen to anyone and it is stressful. Work with a licensed professional who is kind and non-judgemental. A supportive approach is essential for moving forward positively and confidently.”

Meet with Karen today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Abbotsford office.

Contact Karen to set up your appointment.

Karen Wright has 25 years of experience helping people find debt solutions and overcome financial difficulty. Specializing in personal insolvency, Karen recognizes the impact challenging financial situations have on clients’ lives. “My goal is to help all clients I work...

Read More about Karen