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Penticton Bankruptcy & Debt Services

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

Address: 129 Nanaimo Avenue W., Penticton, BC V2A 1N2
Located in Co-Work Penticton.

Sands & Associates’ Penticton office is located in Co-Work Penticton near Nanaimo Avenue and Winnipeg Street, with the Landmark Cinemas around the corner. Metered street parking is available.


Phone: 778-738-3328

Fax: 1-866-916-6096

CONTACT US
Trying to get out of debt can feel like an impossible task sometimes – added interest, unforeseen expenses and other challenges life throws our way - even the smallest setbacks can feel overwhelming. Know that you are not alone! You have legal options to consolidate and cut debt and the caring debt experts at Sands & Associates are here to help you move forward towards your debt-free future. Book your confidential free debt consultation today to get debt advice and explore your debt options together with a non-judgmental Licensed Insolvency Trustee in our Penticton office.

Hours

Open by appointment only

Everyone deserves to live free from the overwhelming stress of debt. It’s our goal to help you make informed decisions and choose the best option to resolve your current challenges.

Most people don’t expect to face a financially straining situation and often feel embarrassed about asking for help with debt. Sands & Associates’ team of debt advisors understands that you may feel nervous or frustrated – we will work with you to understand your needs and circumstances and review all your options including debt consolidation, Consumer Proposals, bankruptcy and more with you. No judgment, just solutions and support!

Ready to take the first step? Book your free debt consultation in Penticton today to get a plan to be debt-free.

Book A Free Consultation

Client Testimonials

I went to Sands in a massive panic. A collection agency was threatening me. And the amazing staff at Sands not only helped me figure out all of my debts and came up with an affordable consumer proposal, they calmed me down. The staff is supportive nonjudgmental, easy to talk to, and love helping people. I highly recommend them. They are the best.

Jocelyn

Their respectful and kind manner made this difficult time in my life much less stressful. I feel like I can move forward with a plan to start over and improve my financial situation. I’m very grateful I made the call and received their help.

Jennifer

From Vulnerability to Peace of Mind. From the onset, Andrew was professional, compassionate, informed and direct. I've always felt we were a team, he worked with me to achieve a goal and it was such a smooth flowing process. He was kind and understanding, I'm just so grateful.

Kathrine

Meet Our Team

Penticton

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, Penticton 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

Andrew Smith

CPA, CA, CIRP, Licensed Insolvency Trustee

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions. He understands that debt help can seem complicated and feel overwhelming, but believes that with the right knowledge and a friendly approach, it doesn’t have to be. “I strive to give the best information to people about their options” he says, “giving someone a fresh start and a plan to deal with their financial problems is a key part of my role as a Licensed Insolvency Trustee.”

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

“Always read the terms of contracts and agreements before signing – you should know exactly how much it will cost you to repay any money you borrow and how these costs fit into your monthly cash flow.” 

Meet with Andrew today to discuss your debt options during a free, confidential, one-on-one debt consultation. Appointments available at the Sands & Associates office in Kelowna and Penticton.

Contact Andrew to set up your appointment.

Andrew Smith is a Licensed Insolvency Trustee with over 9 years’ experience in providing both business and personal debt management solutions. Andrew takes a straight-forward and personable approach to helping people assess their situation and evaluate their legal debt solutions....

Read More about Andrew