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Victoria Bankruptcy & Debt Services

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

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.







The Atrium Building
301 - 1321 Blanshard Street
Victoria, BC V8W 0B6

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.







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.

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.


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




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



“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.”



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



“The staff is very friendly and sensitive to the issue being dealt with. Staff were able to answer any question I asked of them. I would highly recommend Sands & Associates to anyone who would need them.”



“They gave me peace of mind and confidence that they would handle my creditors efficiently and professionally. I feel confident in their ability to handle my situation deftly. I believe in their experience and knowledge.”



“I was really nervous heading in there, but as soon and I sat for the free consultation my nerves went to relief, I’m almost done my bankruptcy and they made it easy! I’d recommend them to anyone looking to get out of debt.”

Meet the Victoria Team

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.”

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

Contact Janet to set up your appointment.

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.”

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.”

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

Contact Jennifer to set up your appointment.

Sandra Wolverton


Sandra Wolverton is an Estate Manager and Qualified Insolvency Counsellor with over 20 years of experience working with individuals to solve their debt-related challenges. Sandra’s goal is to help her clients understand how they can move forward, and make the best choices possible for their situation, offering a reassuring, solution-driven approach. As she says, “Sometimes things work out as planned, and sometimes they don’t – that’s why we’re here. Everyone needs a little support at some time or another.”

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

“Although fear can make it seem otherwise, your debt IS a solvable problem. Don’t let it hold you back, we’re here to help you leave yesterday in the past, so you can focus on your todays and tomorrows.”

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

Contact Sandra to set up your appointment.

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.”

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

Contact Stephanie to set up your appointment.