Colwood Bankruptcy & Debt Services

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

Address: 132 - 328 Wale Rd Colwood, BC V9B 0J8
Located in Coastal Offices

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.


Phone: 778-746-3328

Fax: 604-583-0797

CONTACT US
Sands & Associates’ Colwood office is one of three Vancouver Island office locations. As Licensed Insolvency Trustees, we have the legal authority and expertise to help you become debt-free. Our goal is to provide you with the knowledge you need to make confident choices about your future. Book your free, confidential debt consultation today to get started.

Hours

Open by appointment only
There’s more to debt solutions than personal bankruptcy. Let us show you all of your debt options!

Learn the facts about debt solutions in BC so you can take back control of your finances. Our qualified debt professionals serving residents in Colwood and Langford are experts in debt consolidation, Consumer Proposals and bankruptcy services. If you want to become debt-free, we are here to help.

Meet with a debt professional in Colwood today to get your financial fresh start.

Book A Free Consultation

Meet Our Team

Colwood

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-judgemental 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.”

Meet with Raj today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey, New Westminster, Kelowna and on Vancouver Island.

Contact Raj to set up your appointment.

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...

Read More about Raj

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.”

Meet with Janet today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Nanaimo, Victoria and Colwood offices.

Contact Janet to set up your appointment.

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. ...

Read More about Janet

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.”

Meet with Stephanie today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Victoria, Colwood and Nanaimo.

Contact Stephanie to set up your appointment.

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...

Read More about Stephanie