assess-tagTake Charge

Achieve Your Financial Freedom

Since 1990, our team of professionals has assisted individuals eliminate the daily burden of debt. Our clients agree that dealing with their debts has significantly improved both their financial and physical wellbeing.

Whether it’s a reduction in the debt you must repay, a permanent interest freeze, stopping harassing collection calls, or ensuring the protection of your assets, we can help. Always be sure that you are speaking with a Licensed Insolvency Trustee – they are the only debt professionals designated by the federal government and empowered by law to shield you from your creditors. We’ll work with you to create a tailored plan that allows you to meet your financial goals. Rest assured, with Sands & Associates you can take charge of your future – you have nothing to lose but your debt!

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Five Reasons to Book a Free Consultation


    1. Consumer Proposals allow you to reduce the debts you owe, without accumulating interest or additional fees
      Are you struggling to manage your debt? There are options outside of personal bankruptcy. Consumer Proposals are a common alternative that we may recommend to you, depending on your situation. This form of debt resolution is a negotiated arrangement whereby the individual agrees to repay a portion of his or her debt (often 30%-50%) in monthly payments over a period of up to five years, with no interest. A Consumer Proposal only stays on a person’s credit report for two to three years. Only a Licensed Insolvency Trustee can file a Consumer Proposal on your behalf. During your free Sands & Associates consultation, a licensed professional will work with you one-on-one to assess your situation and find the best solution for you.
    2. Debt stress is real stress
      No one is immune to stress and its negative effects. Most people feel overwhelmed and struggle to cope. For some, the stress can become so great that it damages their personal relationships, causes emotional distress, and causes or exacerbates physical ailments. Anxiety, depression, feelings of hopelessness about the future, stomach ulcers, and trouble sleeping are a few of the common ways debt stress can manifest. Taking steps to resolve your challenging financial situation can have a dramatic impact on your health, well-being and outlook. Many of our clients have told us that they lead happier and healthier lives since managing their debts, and wish they had met with us sooner.
    3. The decision to take charge of your debts puts you in the driver’s seat
      Debts are often caused by outside events such as divorce, health problems, unexpected events or loss of income. While those uncontrollable factors can be resolved, the debts they create can become long-term issues. Deciding on a path that will eliminate your debt not only helps you regain control of your situation, it also marks the beginning of your financial fresh start.During your consultation, a qualified professional will inform you of your rights and options for debt resolution. The knowledge and guidance you receive will allow you to make the best possible decision, so you can move forward positively and confidently.
    4. Knowing is not owing
      There are many misconceptions about debt solutions that stop people from taking action.  Many people believe that bankruptcy is a highly public process and that their employers will be notified if they file. This is false. Another common myth is that it is impossible to get credit after filing a Consumer Proposal or personal bankruptcy. This is untrue. Re-establishing credit two to three years after bankruptcy is often achievable to be considered for mortgages and car loans. Don’t let misinformation impede your progress. We provide clear explanations and practical insight so you can better understand your debt relief options. We are here to answer your questions and help you overcome your situation.
    5. A debt-free future is waiting
      Imagine how different your life would be without the burden of debt. While it may not feel like it at the moment, it is important to know that there is a solution for you. It is possible to achieve a financial fresh start. We understand that taking the first step toward debt resolution can feel daunting. Our team of Licensed Insolvency Trustees is committed to creating an environment where you can feel comfortable discussing your finances. Empathy and empowerment are fundamental to our approach. We are here to restore your faith in your financial future and arm you with the insight you need to make an informed decision to move forward from a position of strength.

Book your free consultation