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Richmond Bankruptcy & Debt Services

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

We understand that making the decision to ask for debt help can be difficult.

We’re here to help guide you through legal solutions to debt problems and we will support you through the process you choose to get out of debt. The caring debt management team at Sands & Associates’ Richmond office have over 40 years’ experience helping people find options for debt relief. Get qualified debt advice in Richmond – book a confidential free debt consultation today. Support in our Richmond office is also available in Cantonese and Mandarin.







926 - 6081 No. 3 Road
Richmond, BC V6Y 2B2

Located at Westminster Hwy and No 3 Road (near Brighouse Skytrain)

Sands & Associates’ Richmond office is located at Westminster Hwy and No. 3 Road, beside the CIBC bank and near Richmond Centre. Our main entrance is on No. 3 Road. The nearest skytrain station (Canada Line) is Brighouse station; free parking available nearby and pay parking is available in our building (Three West Centre).







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.

As Licensed Insolvency Trustees, we have the legal authority to advise and assist you in specialized debt solutions that can clear virtually all of your debt.

It’s important to understand all legal options for dealing with debt, such as how Consumer Proposals can consolidate and reduce your debts down to an amount you can afford to repay, and how the process of personal bankruptcy works in BC.

Sands & Associates takes a supportive and empathetic approach to professional debt management, which we believe sets us apart and allows our clients to live with dignity, and without the overwhelming and constant stress of debt.


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




“Sands and Associates in Richmond BC were more than helpful. Things moved along quite quickly and the ladies there were intuitive and helpful. Our counselling sessions were quick and accurate with no BS in between and my wife and I were happy to come out with a solution to our debt. It's nice to have a fresh start with no worries.”



“It has been absolutely wonderful to have Sands & Associates in my corner. Kristine guided me through the process with dignity and utmost respect. I would not hesitate to recommend Sands & Associates to anyone with similar difficulties.”



“I was truly impressed with Kimberly at the Richmond office. She handled my situation with complete professionalism and in a timely manner, with great results. I would recommend anyone to contact her and Sands & Associates if they are needing to rebuild their financial future.”



“The Richmond office is amazing. Kimberly To and her team guided me every step of the way through the process. They're quick to respond whenever I needed some questions answered. I wouldn't hesitate to recommend any of my friends and family to them. They really help get you back on your feet.”



“Very helpful and will do what they can to assist. They provide you with all the information you need and more. Thanks so much! So happy I came to you for help!”



“I had to make a difficult decision to shut down my business. I was left with a significant amount of debts which I'm unable to pay given my current circumstances. I'm thankful that I came across Sands & Associates for I have met Kimberly To. She took the time to understand my situation and she discussed with me the pro and cons of the different options available for me. She explained everything in a very simple and straightforward manner which allowed me to make a sound decision.”

Meet the Richmond Team

Kimberly To

CIRP, CPA, CGA, Licensed Insolvency Trustee

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

Estate Manager, Qualified Insolvency Counsellor

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.

Melanie Tan

Estate Manager, Qualified Insolvency Counsellor

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.

Lilian Chung

Qualified Insolvency Counsellor

Lilian Chung is a Qualified Insolvency Counsellor with over nine years of experience in the personal debt management field. Lilian works with Sands & Associates personal bankruptcy and Consumer Proposal clients, 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.”