{"id":11239,"date":"2023-05-08T07:25:03","date_gmt":"2023-05-08T14:25:03","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=11239"},"modified":"2025-09-26T11:23:04","modified_gmt":"2025-09-26T18:23:04","slug":"what-can-i-do-to-pay-off-my-debt","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/what-can-i-do-to-pay-off-my-debt\/","title":{"rendered":"What Can I Do to Pay Off my Debt?"},"content":{"rendered":"\r\n<p>Are you trying to figure out what to do about your debt, or looking for help deciding how best to pay off your debt? You are not alone! Read on to understand the different debt solutions you might consider to help you pay off your debt, and learn where BC consumers can safely get qualified support and resources for dealing with debt.<\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-strategies-to-pay-off-debt\" class=\"wp-block-heading\"><strong>Strategies to Pay Off Debt <\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Debt payments can be a big demand on household income, and this is a key reason why paying off debt is a high-priority financial goal for many consumers. Everyone\u2019s personal situation and needs are unique when it comes to \u2018how best\u2019 to deal with debt though, and it\u2019s important to remember that the types of debt, balances, and personal circumstances you have will greatly impact the pros and cons of your options.<\/p>\r\n\r\n\r\n\r\n<p>If you are looking for ways to pay off your debt, you might consider some of the following strategies.<\/p>\r\n\r\n\r\n\r\n<p><strong>Do-It-Yourself Debt Payment Plans<\/strong>: If you don\u2019t have a lot of debt or other demands on your finances, you may be able to clear your debt with a self-directed plan and some careful budgeting.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>After listing all your debts, you may choose to prioritize paying off certain debts first based on factors such as debts with the <em>highest interest rates<\/em>, or debts with the <em>lowest balances<\/em>.\r\n<ul class=\"wp-block-list\">\r\n<li>You might also benefit from contacting your creditors to try to negotiate lower interest rates on your debts.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n\r\n\r\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\r\n\r\n\r\n<p>Keep in mind that if it would take you longer than five years to pay off your debt, you may find yourself paying a lot in interest over time &#8211; and if you don\u2019t have enough money in your budget to accumulate savings at the same time you\u2019re paying off your debt, you\u2019ll be especially vulnerable to unplanned costs setting you back.<\/p>\r\n\r\n\r\n\n    <div class=\"compare-your-debt-options-block-wrapper \">\n        <div class=\"compare-your-debt-options\">\n    <img loading=\"lazy\" decoding=\"async\" src=index-293.html width=\"95\" height=\"57\" alt=\"Compare Your Debt Options\"\/>\n    <h2>Compare Your Debt Options<\/h2>\n    <div class=\"text\">\n        <p>Enter your total amount of debt (excluding mortgage and car loan) and we&#8217;ll show you a list of options.<br\/><\/p>\n        <form name=\"home_calc\" action=https://www.sands-trustee.com/"//free-debt-consultation//debt-options-calculator//#highcharts-0\" method=\"post\">\n            <input type=\"number\" name=\"amount\" id=\"calc-input\" placeholder=\"Amount of Debt\" required\/><br \/>\n            <input class=\"form_submit\" type=\"submit\" onclick=\"ga(ga.getAll()[0].get('name') + '.send', 'event', 'Assessment Tool', 'Calculate', 'Home');\" value=\"Calculate Debt Options Now\">\n        <\/form>\n    <\/div>\n<\/div>    <\/div>\n\r\n\r\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\r\n\r\n\r\n<p><strong>Refinancing Your Debt<\/strong>: You may be able to save some money on interest costs by combining eligible debt balances into a line of credit, consolidation loan or even a \u2018balance transfer\u2019 to a different credit card with a lower interest rate.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>This type of debt solution doesn\u2019t come with any special benefit besides repaying your debt at a lower interest rate \u2013 you\u2019ll still repay all your debts in full, with a bank collecting interest and other financing fees for lending you the money to pay off your other creditors.\r\n<ul class=\"wp-block-list\">\r\n<li>You\u2019ll likely need to leverage equity in a major asset or rely on a relationship with a family member or friend <a href=index-655.html>willing to co-sign for you<\/a> to use this type of solution, both of which can be highly risky.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n\r\n\r\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\r\n\r\n\r\n<p>If you\u2019re already having trouble paying off your debt, solving a debt problem with more borrowing is often challenging \u2013 you may find yourself reaccumulating balances, or taking on new debts together. A \u2018borrow-repay-borrow\u2019 debt cycle can be nearly impossible to break if your debt payments require a considerable commitment of your monthly income.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-center\"><a href=index-1350.html>Learn More About Why Borrowing Isn\u2019t Always Best for Consolidating Debt<\/a><\/p>\r\n\r\n\r\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\r\n\r\n\r\n<p><strong>Debt Repayment with a Credit Counselling Program<\/strong>: If you have only a few basic consumer debts with low balances, a <a href=index-653.html>debt repayment plan offered by a credit counsellor<\/a> may allow you to repay your debts in full without ongoing interest charges.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Credit counselling plans don\u2019t cut balances, they just (usually) freeze future interest charges.<\/li>\r\n\r\n\r\n\r\n<li>Always confirm whether you have any debts that would need to be paid separately to the credit counselling payments.\r\n<ul class=\"wp-block-list\">\r\n<li>Any government creditors (such as Canada Revenue Agency for example) will not accept credit counselling program payments and will continue to charge interest and pursue you for payment.<\/li>\r\n<\/ul>\r\n<\/li>\r\n\r\n\r\n\r\n<li>Make sure the amount you will save in interest costs is greater than the credit counsellor\u2019s fees. Even non-profit credit counselling plans cost money!<\/li>\r\n<\/ul>\r\n\r\n\r\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\r\n\r\n\r\n<p><u>Try the \u201cRule of 60\u201d Math to estimate your potential debt payments:<\/u><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Add up then divide your total (non-mortgage) debts by 60. Is the resulting number something you could consistently afford as a monthly payment for the next 60 months (five years)?<\/li>\r\n\r\n\r\n\r\n<li>If not (or it\u2019s doubtful), you might benefit most from a faster and more thorough debt solution that will allow you to cut your debt down to an amount you can afford to repay over a few years.<\/li>\r\n<\/ul>\r\n\r\n\r\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=index-279.html class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\r\n\r\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\r\n\r\n\r\n<h2 id=\"h-solutions-to-pay-off-your-debt-faster\" class=\"wp-block-heading\"><strong>Solutions to Pay Off Your Debt Faster<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>When it comes to ways to reduce, settle, cancel or forgive your debts, there are a few potential options to do this, though it is very important to understand that in Canada the only way to safely, legally cut your debt is by <a href=index-1351.html>working with a Licensed Insolvency Trustee<\/a>.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Licensed Insolvency Trustees are Canada\u2019s only federally-regulated debt help professionals, specifically trained, and certified to provide consumers debt advice <em>and<\/em> debt management services.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"h-making-a-consumer-proposal\" class=\"wp-block-heading\"><strong>Making a Consumer Proposal<\/strong><\/h3>\r\n\r\n\r\n\r\n<p><strong>(Only available through working with a Licensed Insolvency Trustee)<\/strong><\/p>\r\n\r\n\r\n\r\n<p>If your total (non-mortgage) debts are under $250,000, a Consumer Proposal could be an ideal choice to consolidate <em>and cut<\/em> your debt.<\/p>\r\n\r\n\r\n\n\n            <div class=\"background-block-wrapper blue\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\r\n\r\n\r\n<p>Unlike other consolidation options, you can deal with virtually all types of debt in a Consumer Proposal (everything from credit cards to payday loans, government tax debt to <a href=index-647.html>CERB overpayment<\/a>, student loans and more), and you\u2019ll offer to <em>repay the portion you can afford over a period of up to five years<\/em>. Your creditors will agree to forgive the unpaid balance.<\/p>\r\n\r\n\r\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\r\n\r\n\r\n<p>Consumer Proposals are one of the most popular solutions offered by Licensed Insolvency Trustees and can provide you significant advantages in managing debt, including:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Consolidated debts are frozen, and there are no added interest costs.<\/li>\r\n\r\n\r\n\r\n<li><a href=index-621.html>Debts are often cut by up to 50-80%.<\/a><\/li>\r\n\r\n\r\n\r\n<li>Your credit history is not a qualifying factor.<\/li>\r\n\r\n\r\n\r\n<li>Your creditors will be bound by the accepted Consumer Proposal and cannot change their minds, nor pursue you for collections, wage garnishments, etc.<\/li>\r\n\r\n\r\n\r\n<li>You can pay off your Consumer Proposal early at any time without penalty.<\/li>\r\n\r\n\r\n\r\n<li>There are no added professional fees added in or on top of your debt payments.<\/li>\r\n\r\n\r\n\r\n<li>A Licensed Insolvency Trustee will work with you throughout the process, and handle communication with your creditors.\r\n<ul class=\"wp-block-list\">\r\n<li>A Consumer Proposal can ONLY be filed by working with a Licensed Insolvency Trustee. Don\u2019t be fooled by ads for services that sound similar but are offered by a credit counsellor, debt consultant, or debt settlement agency.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"has-text-align-center\"><a href=index-603.html>Consolidating Debt with a Consumer Proposal: Step-by-Step<\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-negotiating-debt-settlement\" class=\"wp-block-heading\"><strong>Negotiating Debt Settlement<\/strong><\/h3>\r\n\r\n\r\n\r\n<p><strong>(May be able to do on your own, or with a debt consultant)<\/strong><\/p>\r\n\r\n\r\n\r\n<p>If you have cash on hand, you may try to negotiate with your creditors, offering them a lump sum of money to settle your debt for less than the total balance you owe. Some people also try to <a href=index-636.html>work with a debt consultant<\/a> for this type of debt reduction service.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><u>Extreme caution should be used with any debt settlement company<\/u>. Not only will you be charged fees for these services (or even unnecessary services or referrals), but some also employ high-pressure sales tactics, make unrealistic promises, and encourage strategies that can aggravate your situation with your creditors.\r\n<ul class=\"wp-block-list\">\r\n<li>For example: You might be told to stop making your debt payments so you can instead save up money to accumulate a lump sum settlement to be offered to your creditors. In the meantime, you have no protection from creditors, who might start collection or legal action against you due to their debts going unpaid.<\/li>\r\n<\/ul>\r\n<\/li>\r\n\r\n\r\n\r\n<li>Review any contracts or agreements carefully before signing, and never send money before researching the company.<\/li>\r\n<\/ul>\r\n\r\n\r\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=index-279.html class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\r\n\r\n\r\n<h3 id=\"h-filing-for-bankruptcy\" class=\"wp-block-heading\"><strong>Filing for Bankruptcy<\/strong><\/h3>\r\n\r\n\r\n\r\n<p><strong>(Must be administered by a Licensed Insolvency Trustee)<\/strong><\/p>\r\n\r\n\r\n\r\n<p>If your situation is such that you have very minimal income, or other extenuating circumstances that make any sort of debt repayment a hardship, you may want to explore whether bankruptcy could be the best option to forgive your total debts.<\/p>\r\n\r\n\r\n\r\n<p>Although many people are anxious about the idea of declaring bankruptcy, or fearful they will not be able to recover financially, the reality is that personal bankruptcy is a relatively straightforward and private legal process that offers debt relief and a financial fresh start.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Filing bankruptcy will immediately trigger a freeze for your creditors and in as little as nine months you can be discharged (released) from bankruptcy with all your debts forgiven, allowing you to move forward with your life.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"has-text-align-center\"><a href=index-292.html>Is Personal Bankruptcy Right for Me?<\/a><\/p>\r\n\r\n\r\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\r\n\r\n\r\n<p>A Licensed Insolvency Trustee is your best resource for dealing with debt and will help you evaluate <em>all <\/em>your options and how they might work for you and your situation. It\u2019s important that you have opportunity and support to make a fully informed decision about how you want to move forward.<\/p>\r\n\r\n\r\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=index-279.html class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\r\n\r\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\r\n\r\n\r\n<h2 id=\"h-getting-debt-advice\" class=\"wp-block-heading\"><strong>Getting Debt Advice<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Most people don\u2019t know what resources they have available for support in managing their debt, and this often means people have a series of trials and errors before a debt repayment plan that gives them good results. Unfortunately, these false starts or unsuccessful attempts to manage debt can be not only discouraging, but also come at a cost to finances, time, and personal wellbeing.<\/p>\r\n\r\n\r\n\r\n<p><strong>If you\u2019re dealing with anything debt-related, a Licensed Insolvency Trustee is the most appropriate resource to seek out and should be your first contact.<\/strong><\/p>\r\n\r\n\r\n\r\n<p>You don\u2019t have to navigate the complexities of managing debt alone or pay money to get complete information and qualified advice from an expert. In an hour\u2019s free consultation a Licensed Insolvency Trustee can help you fully understand your situation and all your options.<\/p>\r\n\r\n\r\n\n    <div class=\"google-reviews-block-wrapper turquoise\">\n        <div class=\"wprevpro-shortcode-wrapper\"><div><style>#wprev-slider-4 .wprevpro_star_imgs{color: #FDD314;}#wprev-slider-4 .wprsp-star{color: #FDD314;}#wprev-slider-4 .wprevpro_star_imgs span.svgicons {background: #FDD314;}#wprev-slider-4 .wprev_preview_bradius_T5 {border-radius: 0px;}#wprev-slider-4 .wprev_preview_bg1_T5 {border-bottom:3px solid }#wprev-slider-4 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#21759b;}#wprev-slider-4 .wprevpro_star_imgs span.svgicons {width: 18px; height: 18px;}#wprev-slider-4 .wprevsiteicon {height: 32px;}#wprev-slider-4 .slickwprev-next:before, #wprev-slider-4 .slickwprev-prev:before {color: rgb(10,10,10);}<\/style><style>#wprev-slider-4 .wprev_preview_bg1_T5{ background: none !important; border: none; } .wprevpro_star_imgs_T5{ display: block; margin-bottom: 8px; } .wprev_preview_tcolor2_T5{ display: block; margin-top: 8px; } .wprev_media_div{ display: none; }<\/style><style>#wprev-slider-4 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp: 5;-webkit-box-orient: vertical;overflow:hidden;hyphens: auto;word-break: auto-phrase;}<\/style><\/div><style>.wprev-google-wr-a {background: #0a6cff !important; color: !important}.wprev-google-wr-a:hover {background: #0a6cffde !important;}.wprev-google-place {background:  !important;border-radius:0px !important;}.wprev-google-place {box-shadow: rgba(0, 0, 0, .00) 0px 0px 0px 0px !important; border: 0px solid #f5f5f5 !important;}.wprev-google-place {flex-direction: column !important;align-items: center !important;}.wprev-google-right {display: flex!important;align-items: center!important;flex-direction: column!important;}.wprev-google-name{margin-bottom: 3px !important;}img.sprev-google-left-src {min-width: 50px !important;min-height: 50px !important;}<\/style><div class=\"wprev_outer_wb\"><div class=\"wprev_badge_div badgeleft\"><div class=\"wprev-google-place\"><div class=\"wprev-google-left badgehideclass\"><img loading=\"lazy\" decoding=\"async\" class=\"sprev-google-left-src\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google-my-business-icon-300x300.png\" alt=\"\" width=\"50\" height=\"50\" title=\"\"><\/div><div class=\"wprev-google-right\"><div class=\"wprev-google-name \"><a href=\"https:\/\/www.google.com\/search?q=Sands+%26+Associates+-+Consumer+Proposals%2C+Debt+Help+%26+Licensed+Insolvency+Trustees+328+Wale+Rd+%23132%2C+Colwood%2C+BC+V9B+0J8%2C+Canada&#038;sort=newestFirst&#038;hl=en&#038;gl=US&#038;gws_rd=cr&#038;ie=UTF-8&#038;oe=UTF-8&#038;uule=w+CAIQIFISCQs2MuSEtepUEUK33kOSuTsc\" target=\"_blank\" rel=\"nofollow noopener\"><span class=\"wprev-businessname\"><\/span><\/a><\/div><div class=\"wprevstardiv\"><span class=\"wprev-google-rating\">4.9<\/span><span class=\"wprevpro_star_imgs_T1\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div><div class=\"wprev-google-basedon \">Based on <span class=\"wprev_btot\">3285<\/span> reviews<\/div><div class=\"wprev-google-powered \"><img loading=\"lazy\" decoding=\"async\" class=\"wprev-google-powered-img\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/poweredbygooglew.png\" alt=\"powered by \" width=\"82\" height=\"18\" title=\"powered by \"><img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_badge_site_logo wprevsiteicon \"><\/div><div class=\"wprev-google-wr badgehideclass\"><a class=\"wprev-google-wr-a\" href=\"https:\/\/www.google.com\/search?q=Sands+%26+Associates+-+Consumer+Proposals%2C+Debt+Help+%26+Licensed+Insolvency+Trustees+328+Wale+Rd+%23132%2C+Colwood%2C+BC+V9B+0J8%2C+Canada&#038;sort=newestFirst&#038;hl=en&#038;gl=US&#038;gws_rd=cr&#038;ie=UTF-8&#038;oe=UTF-8&#038;uule=w+CAIQIFISCQs2MuSEtepUEUK33kOSuTsc\" target=\"_blank\"><div class=\"wprevpro_bbnrevus_btn\">Review Us<\/div><\/a><\/div><\/div><\/div><\/div><div class=\"wprev_badge_div badgereviewscontainer\"><div class=\"wprevpro wprev-slick-slider revnotsameheight\" id=\"wprev-slider-4\"><div id=\"wprevgoslickid_4\"  style=\"display:none;\" class=\"wprevgoslick w3_wprs-row\" data-avatartemplate=\"0\" data-totalreviewsnum=\"10\" data-revsperrow=\"1\" data-wprevmasonry=\"no\" data-loadmore=\"no\" data-avatarnav=\"no\" data-revsameheight=\"no\" data-slickwprev='{\"slidesToShow\": 1,\"slidesToScroll\": 1,\"dots\": false,\"arrows\": true,\"infinite\": false,\"speed\": 750,\"adaptiveHeight\": false,\"centerMode\": false,\"fade\":false,\"centerPadding\": \"60px\", \"rows\":1}'><div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jayvee Lester De Castro<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2748'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI highly recommend Sands and Associates especially Jennifer Thom. If you have problem with you debt. She will give you the best options and support throughout the process.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jayvee Lester De Castro &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jarrod Barratt<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2743'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI&#8217;ve been having financial hardship for quite some time now and I am pleased I reached out to Sands &#038; Associates recently.  They were very quick to get started on helping me with relief and I never once felt judged in the process.  Omer and Jennifer were very polite and informative in the process and I thank you very much for your help and support.  I would recommend Sands &#038; Associates to anybody looking for some flexibility in their financial struggles.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jarrod Barratt &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; All the good things<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2744'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI found Jennifer Thom to be very helpful and friendly going over my options to get my debt dealt with. I felt welcomed without judgment and she made my stress and anxiety lessen which was huge for me. Thank you for your help and I look forward to a new future where I can be in control and not worried about how I&#8217;m going to survive debt. All the best. Will recommend.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; All the good things &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Saba N.<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2739'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tSandra was amazing from start to finish with my consumer proposal. From answering questions and getting back to me in a timely manner when I knew she was very busy, the process was quick and painless. Paying this off will be great and then I can build up my credit again! Thanks again, Sandra \u2665\ufe0f\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Saba N. &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Ali D<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2747'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI went to Sands &#038; Associates because I was overwhelmed with my debt and had no idea what to do. Camille helped me set up my consumer proposal, and honestly, she made the whole process so much easier than I expected.<br>\n<br>\nShe explained everything clearly \u2014 what a consumer proposal is, how it works, what my monthly payment would look like, and what debts would be included. She never made me feel embarrassed or judged, just supported.<br>\n<br>\nBecause of her, I finally feel like I have control over my finances again. She walked me through every step, answered all my questions, and made sure I fully understood what I was signing up for. I\u2019m so relieved and grateful.<br>\n<br>\nIf you\u2019re thinking about a consumer proposal or just don\u2019t know where to start with your debt, talk to Camille. She\u2019s patient, caring, and really knows what she\u2019s doing. Highly recommend! \ud83d\ude4c\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Ali D &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Shubham Batra<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2740'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI had an exceptional experience with Sands &#038; Associates during one of the most stressful periods of my life. I was overwhelmed, anxious, and unsure of where to turn, but the team treated me with genuine care and understanding from the very first moment.<br>\n<br>\nHelen was absolutely amazing, patient, compassionate, and incredibly knowledgeable. She made everything easy to understand and helped me feel supported at every step. Hashan was also extremely helpful and kind, always quick to respond and guiding me with professionalism and empathy.<br>\n<br>\nThanks to both of them, I finally felt relief and clarity during a really difficult time. I\u2019m truly grateful for their support and highly recommend Sands &#038; Associates to anyone who needs trustworthy help and real compassion.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Shubham Batra &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Emilee Stonehouse<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2742'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI am very happy I got to work with Sand &#038; Associates. It has been making life so much easy dealing with the debt I had. Plus working with Dana, and everyone there has been a delight to move things forward and easier. Thank you Sands &#038; Associates!\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Emilee Stonehouse &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; ga wa<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2746'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tGreat and quick communication<br>\nSelina helped me with my case.<br>\nWas so stressed, quick responses from her helped me calm down.<br>\nThank you so much Selina<br>\nYou are awesome\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; ga wa &#8211;&nbsp;3 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jenna Sullivan<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2734'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tWorking with Carolyn was an absolute relief. From our very first conversation, she made what could have been a stressful situation feel manageable and even hopeful. She explained everything clearly, answered all my questions with patience and understanding, and made sure I felt supported every step of the way. Her professionalism and compassion made a huge difference, and I\u2019m incredibly grateful for her help. I would highly recommend Carolyn and Sands &#038; Associates to anyone who needs guidance and wants to feel truly cared for through the process.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jenna Sullivan &#8211;&nbsp;3 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Deep Brar<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2741'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI can\u2019t thank Sands &#038; Associates enough, especially Jagdip Dial, for helping me through one of the most stressful times in my life. I was buried under debt and didn\u2019t know where to turn, but Jagdip treated me with genuine kindness and respect from day one.<br>\n<br>\nHe walked me through every detail of the consumer proposal process, explained everything clearly, and never once made me feel judged. Because of his patience and guidance, I finally feel like I can breathe again and start rebuilding my life with confidence.<br>\n<br>\nIf you\u2019re struggling with debt and feeling hopeless, please reach out to Jagdip and the team \u2014 they truly care, and they\u2019ll help you find a way forward.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Deep Brar &#8211;&nbsp;3 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<\/div><\/div><\/div><\/div><\/div>    <\/div>\n\r\n\r\n\r\n<h3 id=\"h-should-i-get-professional-debt-help\" class=\"wp-block-heading\"><strong>Should I Get Professional Debt Help?<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>If you feel like you might have a debt problem \u2013 you\u2019re probably right! It\u2019s best to connect with a Licensed Insolvency Trustee as early as possible, doing so can save you a lot of frustration (and money). Although we do help people facing urgent situations such as wage garnishments and legal action, we also offer professional advice, guidance &#8211; and debt-free plans &#8211; to people who feel stuck in a debt cycle, or may be facing debt warning signs such as these:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Struggling to pay your debt off even though you make regular payments.<\/li>\r\n\r\n\r\n\r\n<li>Continually relying on your credit to meet costs of living and financial commitments.<\/li>\r\n\r\n\r\n\r\n<li>A debt repayment plan that\u2019s going to take longer than five years.<\/li>\r\n\r\n\r\n\r\n<li>Feeling generally stressed, anxious or worried about your debt.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Every consumer should know that they have the right to connect directly with a local Licensed Insolvency Trustee in their province:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>You do not need a referral to speak with a Licensed Insolvency Trustee, and BC residents can <a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">book a free, confidential consultation with a local Sands &amp; Associates Licensed Insolvency Trustee<\/a>.\r\n<ul class=\"wp-block-list\">\r\n<li>All our services are available in person, over the phone, or online.<\/li>\r\n<\/ul>\r\n<\/li>\r\n\r\n\r\n\r\n<li>You are under no obligation to continue working together, and there is no impact to your credit history, and no hidden fees.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><strong>Get non-judgmental advice on dealing with debt \u2013 and solutions that work. Book your free confidential consultation with a caring local expert today.<\/strong><\/p>\r\n\r\n\r\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Are you trying to figure out what to do about your debt, or looking for help deciding how best to pay off your debt? You are not alone! Read on to understand the different debt solutions you might consider to help you pay off your debt, and learn where BC consumers can safely get qualified [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":11240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[257,259],"tags":[38,39,217,37,53,117,120,50,242,43,313,42,312,204,311,35],"class_list":["post-11239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-proposals","category-debt-consolidation-counselling","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-co-signed-debt","tag-consumer-proposals","tag-credit-card-debt","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-advice","tag-debt-consolidation","tag-debt-payments","tag-debt-settlement","tag-debt-strategies","tag-licensed-insolvency-trustee","tag-pay-off-debt","tag-sands-associates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Solutions to Pay Off Personal Debt | Sands &amp; Associates<\/title>\n<meta name=\"description\" content=\"You have options to deal with debt! 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