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Penticton Bankruptcy & Debt Services

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

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.







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.







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.

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!


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



"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."



"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."



“My wife and I got to the point where we needed serious financial advice and help. Overall a very easy and low stress solution to an embarrassing situation. Would highly recommend Sands & Associates.”



“Very professional service and the employees are wonderful. They know their stuff and their service is top notch.”



“When I went into Sands, I was very nervous. My representative was very understanding and explained everything that would happen very clearly to me. I was overwhelmed with emotion. It was a great experience. Would recommend them to everyone. Thank you...”

Meet the Penticton Team

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-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.

Darlene Mullen

Estate Manager, Qualified Insolvency Counsellor

Darlene Mullen has more than 15 years of insolvency experience and specializes in personal debt management solutions. Darlene is committed to providing individuals the information they need to make informed choices about how to become debt free. She works closely with Sands & Associates clients to help them achieve greater control of their debt relief options, and ultimately, their futures. “The most important aspect of my job is renewing hope for individuals that there is financial relief and that they can get on with the positive aspects of their lives,” says Darlene.

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

“Your financial fresh start begins the day you file for bankruptcy or file a consumer proposal. This is your opportunity to start moving forward and creating positive financial habits now.”

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

Contact Darlene to set up your appointment.

John Manson

Estate Manager, Qualified Insolvency Counsellor

John Manson has seven years of personal insolvency experience and is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often daunting and misunderstood aspects of debt resolution. “The most important part of my job is informing people of the laws around dealing with debt and how it affects their situation,” says John.

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

“Take full advantage of the tools and information you receive from your Licensed Insolvency Trustee. The more that you put into the process, the more you can get out of it.”

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

Contact John to set up your appointment.