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Kamloops Bankruptcy & Debt Services

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

Do you need help understanding and evaluating your options to get out of debt? Not sure where to turn for debt advice? Sands & Associates exists to help individuals faced with overwhelming debt achieve a debt-free future.

As Licensed Insolvency Trustees who have been providing debt help services since 1990, the experts at Sands & Associates understand just how stressful debt can be. Our qualified professionals are here to help you find real solutions to manage your debt and achieve a financial fresh start. Book your confidential free debt consultation to start working with a Licensed Insolvency Trustee in Kamloops.







500 Victoria Street
Kamloops, BC V2C 2B2
Located at Centrepoint on Victoria Street

Sands & Associates’ Kamloops office is located in Centrepoint Kamloops, attached to the Hotel 540. The building is located near Victoria Street and 5th Avenue, across the street from the Paramount Theatre. Metered street parking is available, as is pay parking in the lot behind Centrepoint.







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.

Straight-forward, caring advice about debt solutions from reputable professionals who can get you real results.

Learn about the options you have to deal with debt including Consumer Proposals, debt consolidation and filing bankruptcy. Sands & Associates’ Kamloops debt help team is here to give you all the information you need to successfully manage your debt, and our team will offer you full support throughout the process. Only a Licensed Insolvency Trustee (sometimes known as a Bankruptcy Trustee) is empowered and fully government-endorsed to offer debt services to Canadians that can successfully write-off debt without bankruptcy.

Find out how Consumer Proposals can consolidate and cut virtually all debts, and if a Consumer Proposal could work for you.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals in Kamloops. 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 met with a trustee in early 2017, but didn’t act on a plan of bankruptcy or consumer proposal. They contacted me months later and asked if I still needed their services, and as I had been procrastinating, this was really a blessing. I have chosen to declare personal bankruptcy and my trustee made it as painless and as easy as possible for me, for which I am truly grateful. I can see it was the right thing to do, and I am glad Sands & Associates followed up with me, as putting off dealing with my debt was a great source of stress and discomfort.”



“They were very helpful in getting us out of our debt situation. I would highly recommend this company to anyone.”



“I fully endorse this company...they have been so helpful and made me feel like I was not in this financial crisis alone. They helped to take the pressure off my financial crisis.”



“Thank you for all your help. The advice was invaluable and I will certainly remember you, should I ever need your service again and I will tell my friends should they require your service.”



“Sands & Associates has given me such peace of mind! They are friendly, non-judgmental, thorough, and overall have such a great staff!! This has been a great experience and very stress relieving!”



“Sands & Assoc. were extremely helpful in getting me back on track. I have been able to focus on my life better without worrying about the financial burden that was taken care of with my consumer proposal. The staff are friendly and helpful and have always promptly answered any questions or concerns that I may have had. I recommend them if you need help dealing with your financial situation.”

Meet the Kamloops 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.

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 seven years of personal insolvency experience and 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.