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Duncan Bankruptcy & Debt Services

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

We know it can feel discouraging to make payments on debts each month but see little progress towards being debt free no matter what you try to do. Never-ending interest, unexpected expenses and the unexpected costs of life can sometimes feel like challenges impossible to overcome. Don’t lose hope! You have options to get out of debt.

As Licensed Insolvency Trustees we’re here to help you, with debt advice and legal debt solutions that can get you the debt-free future you’ve been aiming for. Book your free confidential debt consultation in our local Duncan office to find out more and to get started towards a financial fresh start.







103 – 255 Ingram Street
Duncan, BC V9L 1P3
Located in Coastal Offices

Sands & Associates’ Duncan office is located in Coastal Offices next to Investors Group in downtown Duncan. Free parking is available in the building parking lot, or on the street in front of Coastal Offices.







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.

Looking for unbiased advice about how to deal with your debts? The caring, non-judgmental team of debt experts at Sands & Associates are here for you.

With so many options to choose from it can be difficult to know which debt management solution is best. Our goal is to offer you clear, practical information and friendly support. Sands & Associates’ debt help professionals will work with you to understand your needs and unique situation and explain all your options – debt consolidation, Consumer Proposals, bankruptcy and more – so you can choose a debt management plan with confidence.


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




"Walked into the office down and out, I was made to feel at ease. The whole process was explained fully with all my options, my trustee was friendly, knowledgeable and honest. I now have a Consumer Proposal and the future looks bright again. I would highly recommend Sands & Associates to anyone in financial trouble."



"Sands & Associates really gave me options that I didn't realize were available. The process is quick and positive, they really helped me move forward."



"Very professional and thorough in their review of our information and options for filing a Consumer Proposal. Clear timelines laid out for the steps in the Proposal process. Very satisfied with both professionals that are handling our Consumer Proposals."



“I was so happy with the service I received and would highly recommend to family and friends!”



“Sands & Assoc. were great at getting my financial house in order. Helpful and professional, I couldn't have done it without them.”



“I was very glad that I went to Sands & Associates, they were very helpful and understanding of my situation. They were able to get me the help I needed and solve my situation. I highly recommend them.”

Meet the Duncan 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.

Camille Ross


Camille Ross is an Estate Manager with 15 years’ experience working with individuals seeking guidance in solving their financial difficulties. Camille is committed to creating a safe, comfortable space where Sands & Associates’ clients can feel at ease sharing their story and getting answers to their questions. As she explains, “Starting these important conversations can feel uncomfortable for people, and I’m here to help them know they’re not alone, and that they have support and solutions to move forward to reach their financial goals.”

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

“Once you have the knowledge needed to make an informed decision, the path towards a bright financial future becomes much clearer.”

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

Contact Camille 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.

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.