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Nanaimo Bankruptcy & Debt Services

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

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.







2133 Bowen Road
Nanaimo, BC V9S 1H8

Located in the Greater Nanaimo Chamber of Commerce

Sands & Associates’ Nanaimo office is located in the Greater Nanaimo Chamber of Commerce on Bowen Road. Free parking is available in the lot at the rear of the building, off Fern Road.







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.

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.


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




“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”



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



“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.”



“This company has treated my financial debt needs with professional integrity. Sands & Associates truly gets the ball rolling towards a debt free world.”



“One of the best moves I made in my life to get my finances in order and move on with my financial goals was to walk into this office. I recommend them to friends and family happily.”



“Debt can be crippling no matter if you got there on your own by spending beyond your means, or due to financial mismanagement of funds. Sands & Associates treated me with respect and without judgement.”

Meet the Nanaimo Team

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.”

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

Contact Janet to set up your appointment.

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.”

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

Contact Jennifer to set up your appointment.

Marion Desjarlais


Marion Desjarlais is a Sands & Associates Estate Manager with over 30 years’ experience helping individuals facing financial difficulty deal with their debt and get a financial fresh start. Marion feels it’s important to help people understand that they are not alone in struggling with a debt problem and that, as she says, “There are solutions, and I can help you find the right one for your situation.”

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

“It can seem hard to reach out for help, but the stress you’re feeling can – and will – be alleviated once you have the information and support you need to move forward.”

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

Contact Marion to set up your appointment.

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.”

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

Contact Stephanie to set up your appointment.