Call Us 1-800-661-3030
4.9 Stars - Based on 2168 User Reviews

Colwood Bankruptcy & Debt Services

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

Worried about paying off your debt or feeling like there’s no end in sight?

When you want confidential debt advice or need support from non-judgmental professionals that treat you with respect, Sands & Associates is here for you. As Licensed Insolvency Trustees (sometimes called Trustees in Bankruptcy), we have the authority and expertise to help you become debt-free using legal debt relief solutions. We can help you assess your situation and choose the best debt solution possible – together. It starts with a free confidential debt consultation with one of our team of caring and competent debt help professionals.







132 - 328 Wale Road
Colwood, BC V9B 0J8

Sands & Associates’ Colwood office is located in Coastal Offices. The Coastal Offices entrance is located at the rear of the building, accessible via the far end of the parking lot, past the entrance to the Holiday Inn. Free parking underground, and free parking in front of Coastal Offices is available.







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)


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.

We will help you understand the debt relief solutions available to you, including debt consolidation loans, Consumer Proposal settlements and bankruptcy options.

Few people expect to find themselves in a situation that leaves them feeling like debt has taken over their life, and we have learned from experience that money problems can happen to anyone. We’re here to support you in taking back control of your finances; our goal is to provide you with the expert debt help you need to make confident choices about your future.

Sands & Associates’ qualified local debt professionals serving Colwood and Langford are caring, empathetic and experts in debt management.


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




“My experience with Sands was far better than I ever could hope for. The entire process from the start was very detailed and professionally laid out. I was shown a lot of patience for anything I was unsure about and they offered to assist me in any way possible. Overall, just great service and tremendous help to me.”



“It was like a weight lifted off my shoulders after our first meeting. I went home and felt it was way too easy. Sands employees are very helpful and very understanding. I feel like I am finally in control of my debt and that there is a light at the end of the tunnel.”



“I like how the associate who helped me treated me with respect, she made me feel good about my decisions and about fixing my financial situation. I felt welcomed and not like a failure when all was said and done. I would highly recommend Sands to anyone who needs help with their finances.”



“My finances are all in order with manageable payments and I’m not afraid to answer my phone anymore. What a relief. I highly recommend anyone with debt problems visit Sands for options to lessen the stress associated with debt.”



“Since I first met with Sands, I have got my finances in perfect order. It is the best thing I have done in a long time. I now have no debt but have saved up money, have all bills paid on time and feel at ease with my finances. Thanks to everyone at Sands.”



“The folks at Sands are extremely understanding, knowledgeable and helpful. Never once did I feel condescended to or belittled for the situation I was in.”

Meet the Colwood Team

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.”

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

Contact Janet to set up your appointment.

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.”

Annette Zukowsky


Providing debt help services for over 16 years, Anne Zukowsky is a highly experienced Sands & Associates Estate Manager and Qualified Insolvency Counsellor working with individuals to resolve their financial challenges and achieve their goals of becoming debt-free. Anne’s warm, non-judgmental approach to solving debt problems helps her clients feel at ease, which as she explains, “It’s important for me that no one is afraid to ask questions, or to seek clarity.”

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

“We’ve all faced times of uncertainty, but you can gain knowledge and confidence in how to take back control of your finances and future, even if you’ve been in a past situation that was out of your control.”

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

Contact Anne to set up your appointment.

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.”

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

Contact Jennifer to set up your appointment.

Marion Desjarlais


Marion Desjarlais is a Sands & Associates Estate Manager with over 30 years’ experience helping individuals facing financial difficulty deal with their debt and get a financial fresh start. Marion feels it’s important to help people understand that they are not alone in struggling with a debt problem and that, as she says, “There are solutions, and I can help you find the right one for your situation.”

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

“It can seem hard to reach out for help, but the stress you’re feeling can – and will – be alleviated once you have the information and support you need to move forward.”

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

Contact Marion to set up your appointment.

Sandra Wolverton


Sandra Wolverton is an Estate Manager and Qualified Insolvency Counsellor with over 20 years of experience working with individuals to solve their debt-related challenges. Sandra’s goal is to help her clients understand how they can move forward, and make the best choices possible for their situation, offering a reassuring, solution-driven approach. As she says, “Sometimes things work out as planned, and sometimes they don’t – that’s why we’re here. Everyone needs a little support at some time or another.”

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

“Although fear can make it seem otherwise, your debt IS a solvable problem. Don’t let it hold you back, we’re here to help you leave yesterday in the past, so you can focus on your todays and tomorrows.”

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

Contact Sandra to set up your appointment.

Stephanie Munsie

BA, Estate Manager

Stephanie Munsie has six years of insolvency and accounting experience. In addition to being a Sands & Associates Estate Manager, Stephanie is currently enrolled in the Chartered Professional Accountants Canada (CPA) Professional Education Program. Stephanie makes a difference in the lives of her clients through the knowledge she provides. “The lack of available and correct information about debt management solutions can lead people to believe there is no realistic way out of their financial troubles,” she says. “Insolvency proceedings are a remedy and a rehabilitation process to allow individuals a fresh start.”

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

“Review your budget each month and take note of where your money goes. This is essential for maintaining your financial health and truly evaluating your current financial standing.”

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

Contact Stephanie to set up your appointment.