Nanaimo

Address:
120 - 256 Wallace Street, Nanaimo, BC V9R 5B3
Located at The Network Hub near Bastion Street and Fitzwilliam Street


Phone: 778-841-3328

Fax: 604-583-0797

CONTACT US

Hours

Thursdays: 8:30am to 5:00pm

Meet Our Team

Nanaimo

Raj Hara

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

In addition to being a Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered 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 Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience in banking,...

Read More about Raj

Jeff Ayre

CPA, CGA, CIRP, Licensed Insolvency Trustee

With more than 20 years of experience in the insolvency field, Jeff Ayre has helped corporate and consumer clients of diverse backgrounds manage and overcome difficult financial situations. Jeff has administered multiple engagements under the Bankruptcy and Insolvency Act and the Companies’ Creditors Arrangement Act. Recognizing the complexity of navigating insolvency, he focuses on offering clarity to the Sands & Associates clients he works with. When asked about the most important aspect of his job, Jeff says, “Financial burdens weigh heavily on people. Helping them relieve those burdens makes a difference in their lives.”

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

“Clear information from a professional will help you find a solution to your debt problems. Be wary of individuals and groups who may try to take advantage of you. A Licensed Insolvency Trustee will offer you guidance at no cost.”

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

Contact Jeff to set up your appointment.

With more than 20 years of experience in the insolvency field, Jeff Ayre has helped corporate and consumer clients of diverse backgrounds manage and overcome difficult financial situations. Jeff has administered multiple engagements under the Bankruptcy and Insolvency Act and...

Read More about Jeff

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.”

Meet with Stephanie today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Victoria and Nanaimo.

Contact Stephanie to set up your appointment.

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...

Read More about Stephanie