Nanaimo Bankruptcy & Debt Services

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

Address:
102 - 155 Skinner Street, Nanaimo, BC V9R 5E8
Located at The Cliff Centre near Bastion Street.

Sands & Associates’ Nanaimo office is located at The Cliff Centre. The Cliff Centre is in the red brick building on Skinner Street, near the corner of Bastion Street and Skinner Street, behind the Royal Bank. Parking is available in the parkade beside the building.


Phone: 778-841-3328

Fax: 604-583-0797

CONTACT US
Our Nanaimo office team is here to explain and 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 and supportive approach to assisting those we meet with. Get your financial fresh start today - book a confidential free debt consultation to find out more.

Hours

Monday: 8:30am to 5:00pm

Tuesday: 8:30am to 5:00pm

Wednesday: 8:30am to 5:00pm

Thursday: 8:30am to 5:00pm

Friday: 8:30am to 5:00pm

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

Find out more about all possible debt solutions in British Columbia, including Consumer Proposals and bankruptcy in Nanaimo with Sands & Associates, BC’s award-winning Licensed Insolvency Trustees.

Our debt management specialists in Nanaimo are committed to helping you through the entire process of becoming debt-free. Whether through options like debt consolidation, Consumer Proposals, credit counselling, or even personal bankruptcy; we will help you achieve a future without the burden of too much debt.

A free one-hour consultation with a 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

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