Nanaimo Bankruptcy & Debt Services

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

Address:
203 - 335 Wesley Street, Nanaimo, BC V9R 2T5
Located at Wesley Square Professional Centre.

Sands & Associates’ Nanaimo office is located at Wesley Square Professional Centre. Wesley Square Professional Centre is a large brick building with an open courtyard in Nanaimo’s “Old City Quarter”. Access our office by going to the back left of the courtyard and taking the stairs to #203, then turn left at the top of the stairs. If you have difficulty with stairs, elevator access is available to the back right of the courtyard. Street parking and public parkades are available near the building.


Phone: 778-841-3328

Fax: 1-866-916-6096

CONTACT US
Debt stress can feel overwhelming, but there are solutions to give you breathing room and a financial fresh start. Sands & Associates’ local Nanaimo team of debt advice experts is here to guide you through your legal options for dealing with debt. We understand that difficult circumstances often lead people to seek debt help, and we pride ourselves on our empathetic, non-judgmental approach to assisting individuals and businesses. Book your confidential free debt consultation today to find out more about how our Licensed Insolvency Trustees can help you become debt-free.

Hours

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

With so many debt options to choose from, how do you know which debt solution is best for you?

Debt consolidation loans, credit counselling programs, Consumer Proposals and even personal bankruptcy are just some of the solutions to consider when it comes to dealing with debt. Our debt management specialists in Nanaimo are qualified to explain and help you consider all legal debt solutions in British Columbia and support you through processes including Consumer Proposals and bankruptcy.

Sands & Associates is committed to working with our clients so they can find debt relief. We believe you deserve to live with dignity, and without the overwhelming stress of debt.

A free one-hour debt consultation with a Sands & Associates Licensed Insolvency Trustee in Nanaimo can get you on your way to a financial fresh start!

Book A Free Consultation

Client Testimonials

“I was treated kindly and respectfully. It is a difficult time, and having someone patiently walk me through everything I needed to know, went a long way toward calming and reassuring me. Thank you, Ms. Munsie”

Gordon

“Janet made a difficult time easier, she’s kind and helpful. Very much appreciate her understanding and patience!”

Tracey

“The service was excellent, all of my questions were answered so that I could understand what I needed to do and all of the steps that needed to be taken. The people there were very professional in what they do and made me feel very comfortable.”

Timotei

Meet Our Team

Nanaimo

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

Janet Humes

CPA, CA, CIRP, Licensed Insolvency Trustee

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track.  She strives to treat everyone with respect while providing professional guidance on how to move forward using available debt solutions, including Consumer Proposals and personal bankruptcy.  Janet’s approach in meeting with clients is clear and empathetic: “Seeking help with financial difficulties is one of the hardest and most stressful things a person can do,” she says, “I want people to leave with a feeling of relief, and the knowledge that there is a solution to their financial struggles.”

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

“The only dumb questions are the ones we fail to ask – always keep asking for more information or detail, until you’re comfortable with the answers given.”

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

Contact Janet to set up your appointment.

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track. ...

Read More about Janet

Jennifer Thom

Estate Manager

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt options. She believes that education is key to making the best choice in any situation: “I strive to ensure each person I meet with goes home feeling happy and well-informed about how they can deal with their debt.”

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

“The hardest part of the debt-free process is making the first phone call asking for help.”

Meet with Jennifer today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Colwood office.

Contact Jennifer to set up your appointment.

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt...

Read More about Jennifer

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, Colwood 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