COVID-19 Update: Phone and video debt consultations available - read more.
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Cariboo Chilcotin Coast Bankruptcy & Debt Services

Licensed Insolvency Trustees specializing in bankruptcy and consumer proposals, servicing Cariboo Chilcotin Coast, BC

Does it sometimes feel as though you’ll never become debt-free?

We’ve helped thousands of British Columbians who used to feel the same way – and we are here to help you get your financial fresh start.

You have debt management options that can allow you to consolidate, cut, or write-off virtually all of your debts. Book your confidential free debt consultation to connect with a Cariboo Chilcotin Coast Licensed Insolvency Trustee and understand the solutions available to you. Our caring debt help experts are here to help you assess your situation, understand your options, and support you in your debt-free goals.












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

Saturday: 9:00am to 5:00pm

(Excluding statutory holiday weekends)


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.

We believe our straight-forward and supportive approach allows our clients to move towards success from a position of strength and personal empowerment. We provide debt help without judgment - it’s that simple.

Deciding which debt solution is right for you can seem overwhelming – Sands & Associates Licensed Insolvency Trustees will take the time to work with you to understand your unique situation, assess your options, and help you develop a plan to be debt-free. There is no cost to get advice from a Sands & Associates debt expert and our free consultations are confidential. If you are in the Cariboo Chilcotin Coast region our qualified representatives can even work with you remotely from the comfort and convenience of your home.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals. 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




"I have had a very positive experience with Sands and Associates and they have been very professional and knowledgeable. They helped me alleviate a tremendous amount of stress after being injured at work and no longer being able to make payments on credit cards. I highly recommend Sands and Associates."



"Excellent service and great staff who are always there to help, even through these hard times. Would definitely recommend if you are having financial issues."



"I was in debt, struggling to manage payments to multiple creditors. Sands & Associates is a very helpful consolidation service that put a stop to the struggle; providing the tools and guidance some of us need and require during stressful financial times. Definitely worth acquiring more information if you have not already."



"Helpful and kind in a super stressful situation. They made sure I understood all my options and spent the time making sure I understood. Highly recommend!"



"My experience with Sands and Associates was amazing. The staff are so supportive and helpful, especially for me, since I have never done anything like this before. Debt management is like unchartered waters, and I appreciate the help they have provided. When I signed the papers for my consumer proposal, I felt a huge weight lift off me. My debt is now manageable, and I can save money."



"I am a retired senior citizen. I found myself burdened with an unwieldy debt load. I reached out to my creditors several times to establish a payment schedule and was either rebuffed or ignored every time. In desperation I reached out to Sands & Associates. To be honest, I was embarrassed that I couldn't pay my bills but the professionalism and respect that I encountered at Sands & Associates soon put me at ease. It's truly a relief to have my life back."

Meet the Cariboo Chilcotin Coast Team

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.” 

Connect with Andrew today to discuss your debt options during a free, confidential, one-on-one debt consultation.

Contact Andrew to set up your appointment.

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.”

Connect with Laura today to discuss your options during a free, confidential, one-on-one consultation.

Contact Laura to set up your appointment.

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.”

Connect with John today to discuss your options during a free, confidential, one-on-one consultation.

Contact John to set up your appointment.