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Abbotsford Bankruptcy & Debt Services

Licensed Insolvency Trustees specializing in bankruptcy and consumer proposals, servicing Abbotsford, BC

If you’re feeling nervous about asking for debt help, know that you’ve come to the right place.

Our qualified local debt help team of Licensed Insolvency Trustees and Estate Managers have decades’ worth of experience in debt management and offer real solutions in a straight-forward, friendly manner. Book your confidential free debt consultation with a Sands & Associates debt expert in our Abbotsford office today and find out how you can become debt-free!







300 - 31935 South Fraser Way
Abbotsford, BC V2T 1V5

Located in Clearbrook Plaza at Clearbrook Road and South Fraser Way

Sands & Associates’ Abbotsford office is located in Clearbrook Plaza, at Clearbrook Road and South Fraser Way. Free parking is available in the plaza parking lot.







Monday: 8:30am to 5:30pm

Tuesday: 8:30am to 5:30pm

Wednesday: 8:30am to 5:30pm

Thursday: 8:30am to 5:30pm

Friday: 8:30am to 5:30pm


At this time our offices are practicing social distancing and may not be available for in-person service. Please join us in supporting your health, and the health of our staff by calling or emailing instead - we are available via telephone and video conferencing to assist you.

Are you thinking about getting a debt consolidation loan? Wondering if you qualify for a Consumer Proposal? Not sure where to learn more about personal bankruptcy?

If you answered ‘yes’ to any of these questions, or if you have other questions about getting help to manage personal or business debts – Sands & Associates is here for you. As Licensed Insolvency Trustees (sometimes called Trustees in Bankruptcy), we are fully qualified government-licensed experts in debt help services. Sands & Associates’ Abbotsford Licensed Insolvency Trustees work with you to find the best debt solution for you and your specific situation.

Explore options like debt consolidation, Consumer Proposals and bankruptcy services – we’ve been helping people become debt-free since 1990.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals in Abbotsford. In less than an hour we can work with you to find a debt solution that meets all of your needs – your financial fresh start awaits!

Book your Free Consultation




"It was a friend that saw I wasn't getting any better that told me about Sands & Associates. I swallowed my pride thinking how much worse can it get and went for the first meeting which is free of charge. I was treated by respectful caring staff helping me make the right choices on my way of being debt free. I highly recommend Sands & Associates and am forever grateful for their clear and professional help."



“I had a great experience with your Cindy Wortley. The process was very easy and Cindy made it very comfortable for us to discuss our situation."



"I was made to feel very comfortable considering the situation I was in. Karen Wright was amazing and explained everything quite clearly."



"During one of the most challenging times in my life they gave me the support I needed to rebuilding my finances. Professional and knowledgeable service. I have learned a lot from them and continue to be encouraged to continue my upward momentum."



"I was very unsure about going to a company and revealing my financial situation. They were very quick to put me at ease and were very professional. After going through all the options we decided that a Consumer Proposal was right for me. My counsellor was very quick to get the ball rolling and came up with a repayment plan that saved me $55,000 off my debt."



"I would recommend Sands & Associates to anyone that finds themselves struggling to repay debt. They made the process extremely easy and they were very friendly and beyond helpful."

Meet the Abbotsford Team

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, Abbotsford and Kamloops.

Contact Deane to set up your appointment.

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.

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.