- Consumer Proposals
- Debt Help
- About Us
Are you struggling with debt and unsure where to turn to for debt help? You are not alone – we are here to help you.
Whether you have personal consumer debt, or debts due to operating a business, our New Westminster professionals are qualified to help you assess your current financial situation and work with you to determine a debt management plan that fits your circumstances. Meet with a Licensed Insolvency Trustee or Insolvency Estate Manager in our New Westminster office today for expert debt help during a free confidential debt consultation. Support in our New Westminster office is also available in Punjabi.
200 - 500 Sixth Avenue
New Westminster, BC V3L 1V3
Sands & Associates’ New Westminster office is located in the Queens Park West Building at the corner of 6th Avenue and 5th Street. The building is near Westminster Centre (houses London Drugs) and there is a Blenz on the corner near our office. Free parking is available behind our building and in Westminster Centre, as well as metered street-parking out front.
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.
Our New Westminster bankruptcy and debt consolidation service team have the knowledge and expertise to support you in a range of debt solutions; whether you are interested in learning more about how personal bankruptcy works in BC, or how to consolidate debts by filing a Consumer Proposal.
Since 1990 we’ve helped thousands of people across BC find debt relief and believe our empathetic and supportive approach to service helps our clients achieve the best outcomes.
Book your free consultation today to get advice from our caring, non-judgmental debt professionals in New Westminster. 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!
“I was extremely nervous about going to talk to people about my financial situation, Julie was a great listener and put me at ease. She explained everything so well and showed great compassion. I am really happy that I chose Sands and Associates to help me with my financial troubles and would recommend them to anyone in need.”
“I have been dealing with Estate Manager Laura Kehtler in their New Westminster office I have found over the months that she has dealt with me and my situation in a very professional supportive way - answering my questions and concerns.”
“I was in a tough spot when I contacted Sands & Associates, I was put in touch with Laura and her wonderful team, and before I knew it I was on the road to a debt free situation. Within a short period of time they were able to assist me as I went through this tough period in life and got me on the right track.”
“Made me feel respected. I was in a tough situation and they helped me through it.”
“Great service, actually offers solutions to help you resolve your debt issue and also lower the debt amount. If you need help with your debt, definitely recommend to consult with them.”
“I was assisted by Laura Kehtler of the New West Branch. Completely solved my debt problems. I’m 2 years in, changed my life. So happy.”
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-judgmental 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.”
Connect with Raj today to discuss your options during a free, confidential, one-on-one consultation.
Contact Raj to set up your appointment.
Laura Kehtler is a Licensed Insolvency Trustee and has more than 15 years of experience in the area of personal insolvency. Assisting clients to regain control of their current financial situation and helping them create a foundation for long term financial health is always her goal. “Helping individuals resolve unmanageable debt so they can get a financial fresh start and focus on saving for the future is important. With every client, my hope is that they come away with a full understanding of all options available to them,” says Laura.
Laura’s number one piece of advice for people seeking help with their debts:
“Struggling with financial difficulty can feel overwhelming and hopeless. No matter the state of your financial health, it is important to know that there are options available to you to resolve your situation. There is light at the end of the tunnel.”
Connect with Laura today to discuss your options during a free, confidential, one-on-one consultation.
Contact Laura to set up your appointment.
Marianne Ting is a Licensed Insolvency Trustee with over 13 years’ experience helping consumers and business owners with solutions to deal with their debts. Marianne believes that it’s never too late for a fresh start, and that it’s important to focus on moving forward. As she explains, “Don’t be ashamed about having a debt problem – life happens, and debt doesn’t discriminate. Help is here! Although you may be struggling now, that doesn’t have to forever hold you back from your future goals.”
Marianne’s number one piece of advice for people seeking help with their debts:
“Know that you have options, and understanding the debt solutions available to you is critical to making an informed decision. Reach out, ask the questions, and get the knowledge to move forward with confidence.”
Connect with Marianne today to discuss your options during a free, confidential, one-on-one consultation.
Contact Marianne to set up your appointment.
Angelica Heppner is an Estate Manager and Qualified Insolvency Counsellor with over 4 years of experience working with individuals seeking debt relief. When meeting new clients at Sands & Associates, Angelica’s main goal is to help ease their stress and offer reassurance they are in the right place to get real solutions and a financial fresh start. As she explains, “We are here to provide guidance, reduce financial stress, and help people move past their debt issues.”
Angelica’s number one piece of advice for people seeking help with their debts:
“Although many people may not discuss their struggles with debt, it is a far more common problem than you may realize. You are not alone in this – we are here to help, you just need to reach out.”
Connect with Angelica today to discuss your options during a free, confidential, one-on-one consultation.
Contact Angelica to set up your appointment.
Carolyn Neale is an Estate Manager and Qualified Insolvency Counsellor at Sands & Associates with over six years experience in assisting people who are considering their options to manage debt. Carolyn encourages her clients to think about their own short and long-term personal goals as they consider the advantages of working through a legal debt solution. She says, “My objective isn’t just to share tools to achieve freedom from debt, but also for people to be able to navigate confidently with maximum success beyond these immediate needs.”
Carolyn’s number one piece of advice for people seeking help with their debts:
“We know how intimidating legal debt help can seem, but we’re here to assist you in taking control of financial obstacles – and through your journey to a debt-free future!”
Connect with Carolyn today to discuss your options during a free, confidential, one-on-one consultation.
Contact Carolyn to set up your appointment.
David Tang is an Estate Manager with more than seven years of insolvency administration experience. David’s goal when meeting with clients is to ensure that they feel respected, and walk away with the right information for them to make an informed decision on their financial future.
When meeting with clients for the first time at Sands & Associates, his goal is to ensure that each person comes away feeling confident, empowered, and knowing much more about how to deal with their financial difficulties than when they first arrived. “Providing a solution to individuals so that they can get their life back is the most important part of helping clients for me”, says David.
David’s number one piece of advice for people seeking help with their debts:
“A free consultation with a Licensed Insolvency Trustee is a great place to start for you to acquire the information you need to make the best decision for you going forward.”
Connect with David today to discuss your options during a free, confidential, one-on-one consultation.
Contact David to set up your appointment.
Larisa Malancu is a Sands & Associates Estate Manager with 6 years of personal insolvency experience. Larisa makes it a priority to understand her client’s unique situation and mindset, framing her approach and guidance to best meet each person’s top priorities, areas of interest or concern. “I’m always happy to support clients with practical ways they can remove debt as an obstacle, and move forward to where they really want to be,” says Larisa.
Larisa’s number one piece of advice for people seeking help with their debts:
“It is possible to regain a balanced life without harmful debt-stress. Make things happen by investing in and committing to yourself!”
Connect with Larisa today to discuss your options during a free, confidential, one-on-one consultation.
Contact Larisa to set up your appointment.
Melanie Tan is an Estate Manager and Qualified Insolvency Counsellor with Sands & Associates who has more than 15 years of experience helping people manage their debt. Melanie’s focus is providing clients guidance and solutions to resolve their financial challenges and deal with debt for good. She says it’s incredibly rewarding to help people work through the process and especially gratifying to see how clients’ outlook and even financial skills can grow. She says, “Offering solutions for money management, budgeting tools, strategies to help develop savings, and re-establishing financial goals are all important aspects of the work we do together.”
Melanie’s number one piece of advice for people seeking help with their debts:
“It’s very important to seek help sooner rather than later, especially when there are already warning signs of financial difficulties. We’re here to help!”
Connect with Melanie today to discuss your options during a free, confidential, one-on-one consultation.
Contact Melanie to set up your appointment.
Yuliya Bal is an Estate Manager with over five years’ experience working with British Columbians looking for solutions to deal with their debt. When meeting with clients at Sands & Associates Yuliya strives to create a space where people can feel comfortable and at ease, as she explains, “Having a debt problem can be scary, and knowing you have understanding supportive help is important.”
Yuliya is also fluent in Ukrainian.
Yuliya’s number one piece of advice for people seeking help with their debts:
“Connecting with a Licensed Insolvency Trustee to get information about your options is a key step to overcoming the worry you may have about your debt. You are not alone, and a fresh start IS possible!”
Connect with Yuliya today to discuss your options during a free, confidential, one-on-one consultation.
Contact Yuliya to set up your appointment.
Yuni Martinez is a Sands & Associates Estate Manager with over four years’ experience helping people become debt-free and working through formal debt relief solutions. Yuni’s approach to debt help is first to recognize each client’s unique situation, offering a non-judgmental space to share their story and future goals. Once she has a clear understanding, as she explains, “I can then start to help by providing options they can use to get free from unmanageable debt – and ultimately regain control over their financial lives.”
Yuni is also fluent in Spanish.
Yuni’s number one piece of advice for people seeking help with their debts:
“If you’re struggling to ask for help, know that seeking support is often the most important step to getting back to a healthy financial life and being free from debt-stress. We are here for you!”
Connect with Yuni today to discuss your options during a free, confidential, one-on-one consultation.
Contact Yuni to set up your appointment.
Mona Meyer is a Qualified Insolvency Counsellor at Sands & Associates with significant experience in the personal debt management field. Financial counselling sessions are a vital component to the debt help services provided to bankruptcy and Consumer Proposal clients. Mona says her main goal during these one-on-one financial counselling sessions is “To provide information and tools that will help each client achieve financial success, in whatever form that means to them personally.”
Mona’s number one piece of advice for people seeking help with their debts:
“Asking for help isn’t a sign of weakness – it’s a sign of great courage.”