Victoria Bankruptcy & Debt Services

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

Address: The Atrium Building
301 - 1321 Blanshard Street Victoria, BC V8W 0B6
Located in the Atrium Building at Blanshard and Yates St

Sands & Associates’ Victoria office is located in the Atrium Building (aka The BC Ferries Building) at Blanshard and Yates Street. Our building entrance is on Blanshard Street, closest to Johnson Street. Metered street parking is available, or in nearby public pay parking lots.


Phone: 778-746-3328

Fax: 1-866-916-6096

CONTACT US
Are you feeling as though debt is taking over your life? You are not alone – we’re here to help. As Licensed Insolvency Trustees, we’re here to provide you with debt advice and legal debt settlement options that allow you breathing room from your debts and enable you to get financially back on track. There are solutions to help you become debt-free – find out more during a free confidential debt consultation with a member of our Victoria team of caring, non-judgmental debt help professionals.

Hours

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

The decision to ask for professional debt help can be difficult – but understanding and choosing a solution for getting out of debt doesn’t have to be.

Many people feel overwhelmed by their debts and don’t know where to turn for unbiased professional advice about how to manage the stressful situations they may be facing.

Sands & Associates’ Victoria Licensed Insolvency Trustees are experts in debt relief options including debt consolidation, Consumer Proposal and bankruptcy services and we’re here to help you choose the best solution possible for your situation, and work with you through the process. Since 1990 Sands & Associates has helped thousands of people across the province get a financial fresh start.

Find your debt solution – book your free debt consultation today to meet with a Licensed Insolvency Trustee in Victoria.

Book A Free Consultation

Client Testimonials

“Fantastic service and Stephanie was most wonderful to work with. Would highly, highly recommend.”

Evan

“I was very nervous at the first interview. Stephanie really put me at ease and was very helpful in getting me through this. Being in my 79th year, I felt like a complete failure in my financial situation, but now I think I have a chance to kind of straighten things out for me in my later years.”

Joan

“The entire staff is friendly and helpful, if you’re in need of help with credit issues, these are the people to see.”

Gregory

Meet Our Team

Victoria

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-judgemental 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.”

Meet with Raj today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Surrey, New Westminster, Kelowna and on Vancouver Island.

Contact Raj to set up your appointment.

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...

Read More about Raj

Janet Humes

CPA, CA, CIRP, Licensed Insolvency Trustee

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track.  She strives to treat everyone with respect while providing professional guidance on how to move forward using available debt solutions, including Consumer Proposals and personal bankruptcy.  Janet’s approach in meeting with clients is clear and empathetic: “Seeking help with financial difficulties is one of the hardest and most stressful things a person can do,” she says, “I want people to leave with a feeling of relief, and the knowledge that there is a solution to their financial struggles.”

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

“The only dumb questions are the ones we fail to ask – always keep asking for more information or detail, until you’re comfortable with the answers given.”

Meet with Janet today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Nanaimo, Victoria and Colwood offices.

Contact Janet to set up your appointment.

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management.  Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track. ...

Read More about Janet

Jennifer Thom

Estate Manager

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt options. She believes that education is key to making the best choice in any situation: “I strive to ensure each person I meet with goes home feeling happy and well-informed about how they can deal with their debt.”

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

“The hardest part of the debt-free process is making the first phone call asking for help.”

Meet with Jennifer today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates Colwood office.

Contact Jennifer to set up your appointment.

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt...

Read More about Jennifer

Stephanie Munsie

BA, Estate Manager

Stephanie Munsie has six years of insolvency and accounting experience. In addition to being a Sands & Associates Estate Manager, Stephanie is currently enrolled in the Chartered Professional Accountants Canada (CPA) Professional Education Program. Stephanie makes a difference in the lives of her clients through the knowledge she provides. “The lack of available and correct information about debt management solutions can lead people to believe there is no realistic way out of their financial troubles,” she says. “Insolvency proceedings are a remedy and a rehabilitation process to allow individuals a fresh start.”

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

“Review your budget each month and take note of where your money goes. This is essential for maintaining your financial health and truly evaluating your current financial standing.”

Meet with Stephanie today to discuss your options during a free, confidential, one-on-one consultation. Appointments available at the Sands & Associates offices in Victoria, Colwood and Nanaimo.

Contact Stephanie to set up your appointment.

Stephanie Munsie has six years of insolvency and accounting experience. In addition to being a Sands & Associates Estate Manager, Stephanie is currently enrolled in the Chartered Professional Accountants Canada (CPA) Professional Education Program. Stephanie makes a difference in the...

Read More about Stephanie

Alexander "Sandy" May

Licensed Insolvency Trustee

Sandy May has over 20 years’ experience in the personal debt management sector. In his time as a Licensed Insolvency Trustee Sandy has helped countless people find a solution for their debt problems, and he says it’s important for consumers to understand that money issues truly can happen to anyone.

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

“Licensed Insolvency Trustees are here to help you when you need guidance on how to deal with a difficult financial situation – no cost, no judgment, no legal jargon.”

Sandy May has over 20 years' experience in the personal debt management sector. In his time as a Licensed Insolvency Trustee Sandy has helped countless people find a solution for their debt problems, and he says it's important for consumers...

Read More about Alexander