Kelowna Bankruptcy & Debt Services

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

Address: 1100 - 1631 Dickson Avenue Kelowna, BC V1Y 0B5
Located in the Landmark Centre on Dickson Avenue

Sands & Associates’ Kelowna office is located in the Landmark Centre on Dickson Avenue in Landmark 6. Free visitor parking spots are available on the first two parking levels.


Phone: 778-738-3328

Fax: 604-583-0797

CONTACT US
Helping residents of Kelowna and its surrounding areas, our Kelowna office team of professionals provides legal debt solutions to both individuals and small businesses. We can help you find a way out of your financial difficulties so you can get a financial fresh start. Book a confidential free debt consultation in our Kelowna office today!

Hours

Open by appointment only
If you’re struggling to manage debts, you may think that personal bankruptcy is your only debt solution...

As Kelowna’s experts in consumer proposals, bankruptcy and debt consolidation services, Sands & Associates can help you find out if a personal bankruptcy is an ideal solution to your situation.

If personal bankruptcy is not the best debt option for you – as Licensed Insolvency Trustees in Kelowna and across BC, we have the legal authority to consolidate your debt by filing a Consumer Proposal. This allows you to avoid filing personal bankruptcy and make a deal with your creditors, in full and final settlement of your debt.

Whether you are interested in learning more about debt consolidation, Consumer Proposals or personal bankruptcy in Kelowna, meet with a Sands & Associates Licensed Insolvency Trustee today to get real debt solutions!

Book A Free Consultation

Client Testimonials

“Our first free appointment with Raj Hara was most impressive. Not only did he make us feel totally at home and not guilty, he listened carefully, suggested several possible solutions and proceeded to spend the next hour reviewing our status and printing off results from the information we provided. He made recommendations which ultimately resulted in a perfect solution for us and we are sincerely grateful. We have no hesitation in referring anyone in need of help when they encounter financial difficulties.”

Michael

“Everything was explained in detail. John Manson was excellent to deal with.”

Gordon

“I had met with two other Trustees before going to Sands & Associates and I have to say that Sands & Associates were by far the most helpful. They showed great patience and understanding, which I really needed during this difficult time. They make sure that you understand all of the options available to you.”

Marnie

Meet Our Team

Kelowna

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

Andrew Smith

CPA, CA, CIRP, Licensed Insolvency Trustee

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions. He understands that debt help can seem complicated and feel overwhelming, but believes that with the right knowledge and a friendly approach, it doesn’t have to be. “I strive to give the best information to people about their options” he says, “giving someone a fresh start and a plan to deal with their financial problems is a key part of my role as a Licensed Insolvency Trustee.”

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

“Always read the terms of contracts and agreements before signing – you should know exactly how much it will cost you to repay any money you borrow and how these costs fit into your monthly cash flow.” 

Meet with Andrew today to discuss your debt options during a free, confidential, one-on-one debt consultation. Appointments available at the Sands & Associates offices in Port Coquitlam and Kelowna.

Contact Andrew to set up your appointment.

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions....

Read More about Andrew

Ashley Gharlay

Estate Manager

Ashley Gharlay is an Estate Manager with a wide range of insolvency administration experience. When meeting with clients for the first time at Sands & Associates, her goal is to ensure that each person comes away feeling confident, empowered, and knowing much more about how to deal with their financial difficulties than when they first arrived. “Giving individuals who are struggling financially a chance to improve their lives, and move forward free of debt is the most important, and rewarding aspect of what I do”, says Ashley.

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

“Your past does not define you, meet with a Licensed Insolvency Trustee to build a great plan for a financial fresh start.”

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

Contact Ashley to set up your appointment.

Ashley Gharlay is an Estate Manager with a wide range of insolvency administration experience. When meeting with clients for the first time at Sands & Associates, her goal is to ensure that each person comes away feeling confident, empowered, and...

Read More about Ashley