4.9 Stars - Based on 1382 User Reviews

Kelowna Bankruptcy & Debt Services

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

Carrying the weight and responsibility of debt can feel overwhelming, but you are not alone – we’re here to support you.

If you or your business have been struggling with debt, Sands & Associates’ local Kelowna debt advisors are here to help you overcome any debt challenges you’ve been facing and achieve a financial fresh start. Get debt help in Kelowna – book your confidential free debt consultation with one of our caring, non-judgmental professionals today!







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.







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.

Learn about debt consolidation options and Consumer Proposals – a powerful bankruptcy alternative that can write-off up to 80% or more of personal and business debts.

You may think that personal bankruptcy is the only way to get debt forgiveness, but our experts can show you other strategies to become debt-free. As Licensed Insolvency Trustees (also called Bankruptcy Trustees) 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 where you repay a manageable portion of your balance, in full and final settlement of your debt.

Whether you choose a Consumer Proposal debt consolidation or bankruptcy, Sands & Associates’ friendly debt help experts are here to support and assist Kelowna residents in working through their debt relief process.


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




“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.”



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



“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.”



“I would rate them excellent and would not hesitate to recommend them to anyone. All staff were very helpful and non-judgmental.”



“The help I received from Sands & Associates was amazing. I felt supported throughout the entire experience and everyone that I came in contact with was professional and kind. This has changed my life and I am very thankful. I would highly recommend Sands & Associates to anyone going through a financially challenging time. Thank you all!”



“They made a terrible situation, tolerable. More importantly, understood my feelings and really helped me through it all.”

Meet the Kelowna Team

Raj Hara

CPA, CMA, CIRP, Senior Vice President of Sands & Associates, Licensed Insolvency Trustee


Raj Hara

CPA, CMA, CIRP, Senior Vice President of Sands & Associates, Licensed Insolvency Trustee

96In 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.”

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

Contact Raj to set up your appointment.