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Vernon Bankruptcy & Debt Services

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

Are you feeling overwhelmed by endless credit card debt? Do you owe the Government money for income taxes or student loans? Are you worried about a wage garnishment or collection action? Looking for a better way to finally become debt-free? You are not alone – we are here to help you.

Book your confidential free debt consultation today and sit down with a caring debt expert at Sands & Associates to get a plan to be debt-free. Our experienced local Vernon Licensed Insolvency Trustees are qualified to assist you in evaluating and working through consolidation options, Consumer Proposals, bankruptcy services and more.







204 - 3002 32nd Avenue
Vernon, BC V1T 2L7

Located in the Greater Vernon Chamber of Commerce

Sands & Associates’ Vernon office is located in the Greater Vernon Chamber of Commerce near 32nd Avenue and 30th Street. 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.

You have debt options beyond bankruptcy that can stop the stress of debt, and the friendly non-judgmental team at Sands & Associates is here to help you find the one that fits best for your unique circumstances.

From credit card debt to tax debt and virtually everything in between – Sands & Associates’ Licensed Insolvency Trustees can offer you legal debt relief solutions that can consolidate and reduce your debts so that you can resolve your financial challenges for good. We will work together with you to understand your situation and unique needs, and put a plan in place that will allow you to get the breathing room and financial fresh start you deserve.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals in Vernon. 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 highly recommend Sands & Associates. From the first phone call I was treated with the best care and they made it very comfortable and stress free.”



“I chose the proposal and am very glad I did. My stress level has been reduced by 90%. I am no longer bothered by phone calls or emails. I am breathing easier again. The staff are great to work with, and very knowledgeable."



“I was stressed out before I went to talk to someone there and by the time I walked out I felt 100% better, I thank you so much for all the help and kind words.”



“Best choice I've made! Debt was much too overwhelming for myself and my spouse as we have a new family and things we simply could not make ends meet. Andrew Smith at Sands & Associates helped me through my consumer proposal process and we could not be more happy. Highly recommended!”



“Everyone I dealt with treated me with the most utmost respect and kindness. I would definitely recommend to my friends and family.”



“Amazing service, very professional and non-judgmental staff. I'm very happy with the outcome of my proposal.”

Meet the Vernon Team

Blair Mantin

CMC, CIRP, President of Sands & Associates, Licensed Insolvency Trustee

Blair Mantin specializes in consumer insolvency and strategies for debt resolution. With 15 years of experience, Blair helps individuals and organizations facing challenging financial situations navigate the often overwhelming, and sometimes confusing, world of insolvency. While each person’s situation is unique, his approach remains the same: “Let’s take the shame and despair away from being in debt – it’s a problem like any other, and it has a solution that works just about every time.”

As Sands & Associates President, Blair says the most important aspect of his job is empowering clients with information about their options to become debt free. “My job is to ‘level the playing field’ from a knowledge perspective – by providing individuals with the insights they really need to resolve their situation, they are able to move forward from a position of strength,” he says.

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

“Never, never pay for debt advice, and be careful about who you take advice from. Only a Licensed Insolvency Trustee will give you the straight goods at absolutely no cost to you.”

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

Contact Blair to set up your appointment.

Laura Kehtler

BA, B.Ed, CIRP, Licensed Insolvency Trustee

Laura Kehtler is a Licensed Insolvency Trustee and has more than 15 years of experience in the area of personal insolvency. Assisting clients to regain control of their current financial situation and helping them create a foundation for long term financial health is always her goal. “Helping individuals resolve unmanageable debt so they can get a financial fresh start and focus on saving for the future is important. With every client, my hope is that they come away with a full understanding of all options available to them,” says Laura.

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

“Struggling with financial difficulty can feel overwhelming and hopeless. No matter the state of your financial health, it is important to know that there are options available to you to resolve your situation. There is light at the end of the tunnel.”

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

Contact Laura 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.