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Chilliwack Bankruptcy & Debt Services

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

We know it can be difficult to make the first call and ask for debt advice.

Sharing your financial situation and money troubles is deeply personal, which is why Sands & Associates believes that debt advice should be offered with an empathetic and supportive approach. By getting clear, practical information and debt help you will be in the best position to move forward towards your debt-free goals. Get a financial fresh start with help from the caring debt advisors at Sands & Associates’ Chilliwack office today – confidential debt consultations are always free.







12 - 8465 Harvard Place
Chilliwack, BC V2P 7Z5

Located in Cowork Chilliwack

Sands & Associates’ Chilliwack office is located in Cowork Chilliwack, on Harvard Place off Airport Road. Free parking is available in the Harvard Place plaza.







Monday: 8:30am to 7:00pm

Tuesday: 8:30am to 7:00pm

Wednesday: 8:30am to 7:00pm

Thursday: 8:30am to 7:00pm

Friday: 8:30am to 7:00pm

Saturday: 8:30am to 5:30pm

Sunday: 8:30am to 5:30pm

(Excluding statutory holiday weekends)


Please allow us to offer you the best service possible by calling or emailing ahead, as immediate walk-in service may be delayed. Complete telephone and video conferencing support is available during business hours.

Facing your debt problem can feel overwhelming – but you are not alone, we’re here to help.

Sands & Associates are BC Licensed Insolvency Trustees (sometimes known as Trustees in Bankruptcy) with a local office and team in Chilliwack. As experts qualified to offer advice about debt consolidation, Consumer Proposal and bankruptcy advisory services, we will meet with you to understand your situation and discuss all your debt solutions. Once we have helped you evaluate your options, we will then work together to craft a plan to become debt-free.

We will help you evaluate and consider your debt management options so you can be sure you’re making the best financial decision possible.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals in Chilliwack. 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 am thoroughly impressed with the professionalism of Sandy and her peers at Sands and Associates. She made a very stressful and upsetting time a lot easier to deal with than I had anticipated. Whenever I had an issue, with reports or dealing with creditors, Sandy did not hesitate to tackle the situation. She is always courteous and thoughtful in how she approaches your situation as she genuinely cares about you and helping you through a difficult time.”



“I would highly recommend the services of Sands & Associates. Sandra Myers was fantastic to deal with and made me feel comfortable from the very beginning. She was extremely helpful with my situation and allowed me to move forward with my life. Much appreciated!”



“I have never felt better about getting control of my debt, the ladies did everything to make me feel comfortable and at ease even with all the stress in my life due to my divorce. I highly recommend going in to discuss your options, they are there to help.”



“We were blown away by the compassion, care, guidance and support we received. I would without hesitation gladly and willingly recommend Sands & Associates to anyone with a debt issue!”



“I needed to focus on my health and I couldn't do that with the stresses that came with my debt. Making that appointment was the best decision I could have made. After reviewing my options and deciding on the Consumer Proposal the process moved fairly fast. Sandra is professional, compassionate and very caring. The bulk of the stresses were alleviated quickly. No question is ever left unanswered. I can't thank them enough!”



“Sandy was amazing in helping us get back on track! We were able to consolidate just a few things that were holding us back, and now we have manageable payments that are affordable. Very compassionate, professional and easy to work with. Anytime I need something answered or need advice, Sandy is extremely prompt in getting me the answers I need.”

Meet the Chilliwack Team

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-judgmental 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.”

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

Contact Raj to set up your appointment.

Marlene Byrne

Estate Manager, Qualified Insolvency Counsellor

Marlene Byrne has ten years of experience assisting individuals in matters relating to personal insolvency. As a former credit counsellor, lender and bank manager, Marlene has experience in all areas of consolidation. For Marlene, the most important aspects of her job are educating clients about their options for debt resolution and helping them minimize financial stress. “My job is to empower people with knowledge so they know that there is help out there and choices available to them. Working with people to reduce their stress enriches their lives and can even improve their overall health,” says Marlene.

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

“An initial consultation with a Licensed Insolvency Trustee or Estate Manager should not cost you any money. If it does, take it as a red flag that something is wrong.”

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

Contact Marlene to set up your appointment.