Richmond Bankruptcy & Debt Services

Kimberly To has helped individuals manage and resolve their debts for 25 years. Kimberly is committed to empowering clients through offering them concise and clear information about their debt relief options. Her goal is to create a comfortable and productive environment during each one-on-one session with her Sands & Associates clients. “I aim to reduce each person’s stress by the end of our session,” says Kimberly.

Kimberly is fluent in Cantonese and Mandarin.

Kimberly’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. There is no obligation and you gain new, important information.”

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

Contact Kimberly to set up your appointment.

Kristine Medeiros is an Insolvency Estate Manager and Qualified Insolvency Counsellor with 18 years of experience. Kristine specializes in consumer proposals and personal bankruptcy, providing individuals relief from their financial difficulties. The cornerstone of Kristine’s approach to one-on-one sessions with Sands & Associates clients is empathetic listening and improving their understanding of their options. “Truly assisting clients means treating them with respect and dignity while offering the information they require to make an informed decision,” says Kristine.

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

“Many individuals facing challenging financial situations think bankruptcy is their only option. This is not the case. Meet with a licensed professional to understand the options available to you.”

Connect with Kristine today to discuss your options during a free one-on-one consultation.

Contact Kristine to set up your appointment.

Lilian is a Qualified Insolvency Counsellor with over nine years of experience in the personal debt management field. Lilian works with personal bankruptcy and Consumer Proposal clients in our Burnaby, Richmond, Surrey and Vancouver office locations, providing one-on-one financial counselling. Her primary goal during financial counselling sessions is to help clients set and achieve financial goals, and to develop a realistic personal budget. She says, “The most rewarding part about what I do is being able to help people cut their debts and get a fresh start.”

Lilian is also fluent in Cantonese and Mandarin.

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

“Make sure you understand all your options before you make a decision on how to move forward with dealing with your debt.”

Melanie is a Qualified Insolvency Counsellor with Sands & Associates who has more than 15 years of experience helping people deal with their debt. Melanie’s primary role is providing clients in our Richmond and Surrey office locations financial counselling sessions as part of their Consumer Proposal or personal bankruptcy. She feels financial counselling is an integral part of the debt management process, and it’s rewarding to see clients improve their financial situations and skills. Melanie says, “Offering information about money management, budgeting tools, strategies to help clients develop savings, as well as re-establishing financial goals are important aspects of what I do.”

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 when there are warning signs of financial difficulties.”