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4.9 Stars - Based on 2395 User Reviews

White Rock Bankruptcy & Debt Services

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

We understand that debt stress is real stress – and we’re here to help you.

The empathetic and supportive debt management professionals at Sands & Associates focus on understanding your unique situation and needs so that that we can work together with you to develop a plan of action. Learn more about options to manage debts – book your confidential free debt consultation today and meet with a qualified White Rock debt advisor.







202 - 15388 24 Avenue
South Surrey, BC V4A 2J2

Located across the avenue from Peninsula Village Shopping Centre

Sands & Associates’ White Rock office is located across from the Peninsula Square shopping center, in the TD Canada Trust Building, above the pharmacy. Free parking is available and the parking lot and main entrance are located at the back of the building.







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.

Get the facts, get the relief. A financial fresh start is possible with debt help from a local expert.

Learning about all the choices you have is a crucial part of regaining control over your debt and making an informed decision about your financial future. Sands & Associates is here to answer all your questions and concerns about debt relief services and how to manage debt. We will help you assess your situation and evaluate your options for debt relief including debt consolidation loans, specialized consolidation with a Consumer Proposal and personal bankruptcy.

Since 1990 Sands & Associates’ trusted professionals have helped thousands of people in BC find debt solutions to achieve a financial fresh start.


Book your free consultation today to get advice from our caring, non-judgmental debt professionals in White Rock. 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 dealt with Cindy, who I found to be a respectful, compassionate, consummate professional. I am glad I chose to deal with Sands & Associates. I would recommend Sands & Associates to anyone who is in need of guidance, through some emotional, hard times”



“We received quick and courteous service from Cindy Wallas. She was very knowledgeable, very understanding and made us feel at ease during the entire process. I would recommend Sands and Associates, especially Cindy Wallas to our friends and family.”



“Cindy Wallas was not only professional but compassionate. I was extremely grateful for her availability at any time regarding my queries during this process.”



“I went to Sands & Associates with a lot of anxiety and apprehension. After my initial consultation with Cindy I already felt relieved. Cindy with her professionalism, knowledge and compassion put a plan in place for me. Within 45 days my proposal was accepted. Truly grateful. I strongly recommend Cindy and her team to anyone that maybe feeling the overwhelming pressure of debt.”



“Would highly recommend Sands & Associates for counselling and financial advice. Be truthful about your circumstances and follow all the instructions to a ‘T’. You will be very pleased with the results.”



“I was so apprehensive about the whole process and I have been amazed at how we were treated by Cindy Wallas. She walked us through each step, made sure we understood everything and treated us with kindness and respect. I would have no hesitation on recommending Sands & Associates to anyone facing financial problems.”

Meet the White Rock Team

Tracey Lowe

BA, CIRP, Licensed Insolvency Trustee

Tracey Lowe has more than 20 years of experience helping individuals manage and overcome difficult financial situations. As a Licensed Insolvency Trustee, Tracey specializes in personal insolvency and restructuring, often through administering consumer proposals to creditors. For Tracey, the most important aspect of her job is restoring hope in clients. “Letting people know their options is always my goal. I enjoy helping people achieve a financial fresh start,” she says.

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

“Recognize that this process can give you a fresh start – debt-free!”

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

Contact Tracey 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.