4.9 Stars - Based on 1427 User Reviews

Surrey Bankruptcy & Debt Services

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

Overcoming a challenging financial situation can feel overwhelming – we are here to help you.

Sands & Associates’ Surrey debt help experts are a caring, non-judgmental team of committed professionals armed with a wide range of knowledge in both consumer and corporate debt restructuring processes. Find out more about debt solution options during your free confidential debt consultation with help from our Surrey office. Support in our Surrey office is also available in Cantonese and Mandarin.







203 - 10366 136A Street
Surrey, BC V3T 5R3

Located at 104 Ave and 136A St. (near King George Highway)

Sands & Associates’ Surrey office is located at the corner of 104 Avenue and 136A Street. Our building is near the back of London Drugs and the closest major intersection is King George and 104 Avenue. There is a large Sands & Associates sign on the building. Free parking is available at the building in the guest spots, or in the 2-hour street parking.







Monday: 8:30am to 5:30pm

Tuesday: 8:30am to 5:30pm

Wednesday: 8:30am to 5:30pm

Thursday: 8:30am to 5:30pm

Friday: 8:30am to 5:30pm

Saturday: 9:00am to 5:00pm

(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.

We understand that once you’ve made the choice to find a debt solution, you need all the facts.

The knowledgeable staff at Sands & Associates will give you clear answers to all your debt questions, so that you can make fully-informed decisions about your financial future.

With a qualified team of debt management professionals, Sands & Associates Licensed Insolvency Trustees offer not only bankruptcy services, but also a specialized debt solution called a Consumer Proposal. Consumer Proposals are the number one alternative to filing for personal bankruptcy in Canada!

A Consumer Proposal can provide all the benefits of debt consolidation with no interest or fees, and help you get back on track financially.


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




“My wife and I were very satisfied with the service provided to us by Kristine Medeiros. She was extremely helpful and very accommodating to our needs, providing satisfactory answers to our question...never any doubt left in our minds. I certainly and absolutely recommend this company to those who may require their insolvency services.”



“Sands & Associates in Surrey: the people are really helpful and non-judgmental. I had reservations before coming to see them because I felt ashamed of my situation. Once I got there, I spoke to Joanne and she just let me explain everything and just accepted it. She made a game plan and we executed it together. Super helpful and the relief I felt afterwards was worth it.”



“I received excellent service from Kimberly To and the support team which is ongoing. Anytime I have a question, no matter what I always get the answer.”



“Sands & Associates’ Surrey location helped me to start again, and this year I will get my son back here in Canada. Thank you so much for making this happen. To be able to reunite with my son is a dream come true, and of course to sleep peacefully knowing that you will be debt free in a couple of months. Thank you Cindy and all the members of Sands & Associates, you are all such a blessing.”



“My experience with Joanne Fong to assist a family member with making a choice as to what to do and how to do it was respectful and calming and really reduced the stress level this had caused. We know that she is there for assistance and support during the whole process and I would recommend Joanne and the whole Sands & Associates team. The best recommendation I can make is do not wait till you cannot handle it as they are there to help you no matter what stage of financial help you need.”



“June and all the team at Sands were amazing during this difficult time. I was so happy they were recommended to me. I now highly recommend them to you. I'm now free to start over again!”

Meet the Surrey 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.

Deane Gurney

CIRP, B.Sc., Lic. Acct., Licensed Insolvency Trustee, Senior Consultant

Deane Gurney has 30 years of experience practicing in the areas of personal and corporate insolvency and restructuring. Deane brings his skills and deep experience to all client sessions. Deane recognizes the stress and confusion that those facing financial difficulty often feel, and uses an empowerment-through-knowledge approach. “Whenever I’m assisting a Sands & Associates client, my goal is to educate them on their financial requirements so they are better able to function in today’s financial environment,” he says.

As a Licensed Insolvency Trustee, Deane’s mission is ensuring all clients receive accurate information and clear guidance that will help them move forward positively. It can be challenging for people to feel optimistic when seeking debt management and resolution help, but there is a solution for every situation. “The most important thing we do at Sands & Associates is help people resolve their financial situation so they can enjoy a financial fresh start,” says Deane.

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

“Trying to manage debt by yourself often makes things worse – emotionally and financially. The sooner you seek professional assistance, the sooner you will become debt-free.”

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

Contact Deane to set up your appointment.

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.

Cindy Wallas

Estate Manager, Qualified Insolvency Counsellor

With more than 15 years of experience, Cindy Wallas works with individual and corporate clients to resolve their debt issues. Cindy is currently enrolled in the CAIRP (Trustee) Qualification Program. Recognizing that debt management requires thorough understanding of resolution options, Cindy offers comprehensive insight and guidance, and encourages clients to take their time. “My main goal when it comes to assisting clients is to make them feel comfortable and give them as much time and information as they need to make their decision,” says Cindy.

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

“Once you deal with your past debt and past financial issues, you can look towards the future with excitement and optimism.”

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

Contact Cindy to set up your appointment.

Joanne Fong

Estate Manager, Qualified Insolvency Counsellor

Joanne Fong has more than 15 years of experience assisting individuals with personal debt resolution, and specializes in personal bankruptcy and consumer proposals. As a Sands & Associates Estate Manager, Joanne’s goal during one-on-one sessions with clients is to offer clarity, practical insight and hope. “Helping my clients see that there is light at the end of the tunnel is the most important aspect of what I do,” says Joanne.

Joanne is also fluent in Cantonese and Mandarin.

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

“Recognize that there are many ways to move forward. A licensed professional will inform you of avenues you can pursue.”

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

Contact Joanne to set up your appointment.

John Manson

Estate Manager, Qualified Insolvency Counsellor

John Manson has 7 years of personal insolvency experience. John 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.

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.

Lilian Chung

Qualified Insolvency Counsellor

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 Tan

Qualified Insolvency Counsellor

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.”