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North & Central Vancouver Island Bankruptcy & Debt Services

Licensed Insolvency Trustees specializing in bankruptcy and consumer proposals, servicing North & Central Vancouver Island, BC

Do you find yourself constantly thinking about your credit card balances? Are you making your minimum payments each month but worried it will take you years to pay off your debts? Stressed about juggling all your financial responsibilities? You are not alone – Sands & Associates is here for you. Each year we help thousands of residents throughout BC take charge of their finances and get a plan to be debt-free.

Book your free confidential debt consultation today to connect with a friendly debt management expert from Sands & Associates. Our non-judgmental professionals work with people across Vancouver Island communities and we can help you find the debt solution that’s right for you and your situation. You don’t have to keep struggling with debt, you deserve a financial fresh start. We’ll help you get there – together.












Monday: 8:30am to 7:00pm

Tuesday: 8:30am to 7:00pm

Wednesday: 8:30am to 7:00pm

Thursday: 8:30am to 7:00pm

Friday: 8:30am to 7:00pm

Saturday: 8:30am to 5:30pm

Sunday: 8:30am to 5:30pm

(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.

You may feel overwhelmed and hopeless, but you have options that can stop debt-stress and give you back your life! Learn about debt solutions including debt consolidation, Consumer Proposals and personal bankruptcy.

Taking the first step of asking for debt advice can be difficult – when you connect with Sands & Associates we will take the time to understand your situation, provide you with all the information to get a plan to be debt-free, and work together with you throughout the process. Our North & Central Vancouver Island Licensed Insolvency Trustees can conveniently assist you remotely from the comfort and privacy of your home.


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




"Every contact I have had, whether it was in person, on the phone or through email was friendly, helpful and prompt in dealing with any stage of the process. I couldn’t be happier with my experience and I am incredibly grateful for all the hard work you have put into my Consumer Proposal, even in these hard times."



"I am beyond happy with Sands & Associates’ service. They are professional, friendly and listen to your needs. I am now on a positive path to financial freedom thanks to the staff at Sands & Associates."



"My experience with Sands and Associates was wonderful. After my first meeting it was like a huge weight was lifted off my shoulders. My Trustee was very professional and non-judgmental about my situation. I have recommended Sands and Associates to my co-workers and friends."



"I had gone to Sands & Associates for financial advice. They were the most helpful understanding people, they changed my life and helped me to make the right decisions for my future."



"I was drowning in debt after my wife was in a car accident and we lost her income… Credit cards were maxed and ICBC was dragging it out, Sands & Associates helped by making a great deal of our debt go away and made the repayment easy and manageable."



"Very thankful for the financial advice that Sands & Associates provided me at a hard time. The staff was always so non-judgmental and informative. Highly recommend this business!"

Meet the North & Central Vancouver Island 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.