샌드 어소시에트는 브리티시 콜럼비아 주에서 가장 파산 청산 관리 회사이며 개인과 소기업 파산을 주로 도와드립니다.

상담을 원하세요? 연락처

저희에 관하여

저희는 파산 관재인이자 소비자 요청 부채 청산 제안 관리인으로서 채무를 해결할 방법이 필요하실때 도와드립니다. 자사는 1990년에 설립되었으며 광역 밴쿠버 내 열개의 지사에서 귀하의 재정적 어려움을 해결해 드립니다.

저희가 하는일

저희는 귀하가 채무관리 옵션을 더 잘 이해하시도록 도와드립니다.  자사는 개인과 법인의 파산과 소비자 요청 부채 청산 제안 관리를 전문으로 합니다. 저희의 부채 청산 관리인들과 파산 관재인들은 연방정부에 의해 개인 파산 및 청산 법 아래 법적 재정적 문제를 관리하도록 인가되었으며 자사는 이 자격을 갖춘 저희 팀을 자랑스럽게 생각합니다.

저희의 강점

저희의 힘은 바로 저희의 직원들입니다. 저희는 현지 소유하고 운영하는 것을 자랑스럽게 생각하며 저희가 봉사하는 지역에 최선을 다하고 있습니다. 저희 팀은 새로운 시작을 하시도록 도와드리는데 열정적인 사람들로 이루어져 있습니다. 저희는  재정적 어려움은 누구에게나 닥칠수 있다고 믿으며 편견없이 사람들을 대하는데 자부심을 가지고 있습니다.

자사는 법인 고객들을 주로 다루는 큰 국수적인 회계법인이 아니고 개인 파산과 소비자 요청 부채 청산 제안을 주로 다룹니다. 저희는 개인과 소기업들을 돕는데 최선을 다하는 것이 저희의 강점이라고 생각합니다.

상담에 관해

귀하가 채무관리 옵션을 이해하시도록 도와드리는 것이 저희의 의무이며 무료로 해드립니다. 저희에게 오시면 귀하의 법적 옵션들에 관해 실용적이고 명료한 설명을 들으실수 있습니다.

오늘 무료 상담을 받으러 오셔서 저희와 함께 귀하의 재정적 어려움을 헤쳐나갈 방법을 찾으십시오. 1-800-661-3030 에 전화하셔서 귀하에게 가장 가까운 지사를 찾으시거나 온라인으로 무료 상담을 요청하십시오.

지사를 찾으시거나 전화주십시오…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.