- Consumer Proposals
- Debt Help
- About Us
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)
At this time our offices are practicing social distancing and may not be available for in-person service. Please join us in supporting your health, and the health of our staff by calling or emailing instead - we are available via telephone and video conferencing to assist you.
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!
“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.”
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.”
Connect with Andrew today to discuss your debt options during a free, confidential, one-on-one debt consultation.
Contact Andrew to set up your appointment.