{"id":4108,"date":"2013-09-10T17:15:10","date_gmt":"2013-09-10T17:15:10","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?page_id=4108"},"modified":"2025-10-16T13:40:09","modified_gmt":"2025-10-16T20:40:09","slug":"sitemap","status":"publish","type":"page","link":"https:\/\/www.sands-trustee.com\/sitemap\/","title":{"rendered":"Sitemap"},"content":{"rendered":"<ul class=\"page-list first-child last-child\">\n<li><a href=index-66.html>HOMEPAGE<\/a><\/li>\n<li>Consumer Proposals\n<ul class=\"children\">\n<li><a href=index-289.html>Consumer Proposals in BC<\/a><\/li>\n<li><a href=index-286.html>Consumer Proposal FAQs<\/a><\/li>\n<li><a href=index-493.html>How does making a Consumer Proposal affect my spouse?<\/a><\/li>\n<li><a href=index-494.html>How much does it cost to file a Consumer Proposal in British Columbia?<\/a><\/li>\n<li><a href=index-495.html>How long will a Consumer Proposal show on my credit history?<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Bankruptcy\n<ul class=\"children\">\n<li><a href=index-296.html>Personal Bankruptcy in BC<\/a><\/li>\n<li><a href=index-287.html>Bankruptcy FAQs<\/a><\/li>\n<li><a href=index-496.html>Can my spouse and I declare bankruptcy together?<\/a><\/li>\n<li><a href=index-497.html>What am I allowed to keep if I file for personal bankruptcy?<\/a><\/li>\n<li><a href=index-498.html>Can I keep making payments on my car or mortgage if I file for bankruptcy?<\/a><\/li>\n<li><a href=index-499.html>How do I get discharged from bankruptcy?<\/a><\/li>\n<li><a href=index-500.html>What is surplus income in bankruptcy?<\/a><\/li>\n<li><a href=index-501.html>What happens to my tax returns during bankruptcy?<\/a><\/li>\n<li><a href=index-502.html>How long will a bankruptcy show on my credit report?<\/a><\/li>\n<li><a href=index-503.html>Can I file for bankruptcy if I have been bankrupt before?<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Debt Help\n<ul class=\"page-list first-child last-child\">\n<li><a href=index-315.html>Debt Consolidation<\/a><\/li>\n<li><a href=index-288.html>Debt Help FAQs<\/a><\/li>\n<li><a href=index-504.html>How can I find out who I owe money to?<\/a><\/li>\n<li><a href=index-505.html>Can Canada Revenue Agency put a lien on my house?<\/a><\/li>\n<li><a href=index-506.html>Is there a statute of limitation on debt in BC?<\/a><\/li>\n<li><a href=index-507.html>Am I responsible for my spouse\u2019s debts?<\/a><\/li>\n<li><a href=index-318.html>How We Help With Debt<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Compare Solutions\n<ul class=\"page-list first-child last-child\">\n<li><a href=index-281.html>Consumer Proposal VS Credit Counselling<\/a><\/li>\n<li><a href=index-283.html>Bankruptcy VS Consumer Proposal<\/a><\/li>\n<li><a href=index-285.html>Bankruptcy VS Credit Counselling<\/a><\/li>\n<\/ul>\n<\/li>\n<li>About Us\n<ul class=\"children\">\n<li><a href=index-508.html>Meet Our Team<\/a><\/li>\n<li><a href=index-509.html>Real Stories<\/a>\n<ul class=\"children\">\n<li><a href=index-510.html>Meet Peter<\/a><\/li>\n<li><a href=index-511.html>Meet Ian<\/a><\/li>\n<li><a href=index-512.html>Meet Jessica<\/a><\/li>\n<li><a href=index-513.html>Meet Tammy<\/a><\/li>\n<li><a href=index-514.html>Meet Luke<\/a><\/li>\n<li><a href=index-515.html>Meet Kyle<\/a><\/li>\n<li><a href=index-516.html>Meet Terrence<\/a><\/li>\n<li><a href=index-517.html>Meet Marsha<\/a><\/li>\n<li><a href=index-294.html>Meet Dave<\/a><\/li>\n<li><a href=index-518.html>Meet Alex<\/a><\/li>\n<li><a href=index-519.html>Meet Barbara<\/a><\/li>\n<li><a href=index-520.html>Meet Jerry<\/a><\/li>\n<li><a href=index-521.html>Meet Sabrina<\/a><\/li>\n<li><a href=index-522.html>Meet Dan<\/a><\/li>\n<li><a href=index-523.html>Meet Heidi<\/a><\/li>\n<li><a href=index-524.html>Meet Pratap<\/a><\/li>\n<li><a href=index-525.html>Meet Sarah<\/a><\/li>\n<li><a href=index-526.html>Meet Jenna<\/a><\/li>\n<li><a href=index-527.html>Meet Stuart<\/a><\/li>\n<li><a href=index-528.html>Meet Deborah<\/a><\/li>\n<li><a href=index-529.html>Meet Ben<\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=index-316.html>Testimonials<\/a><\/li>\n<li><a href=index-314.html>Find Your Local Office<\/a><\/li>\n<li><a href=index-530.html>Careers<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Locations\n<ul class=\"page-list first-child last-child\">\n<li><a href=index-531.html>Abbotsford<\/a><\/li>\n<li><a href=index-532.html>Burnaby<\/a><\/li>\n<li><a href=index-533.html>Chilliwack<\/a><\/li>\n<li><a href=index-534.html>Colwood<\/a><\/li>\n<li><a href=index-535.html>Cranbrook<\/a><\/li>\n<li><a href=index-536.html>Duncan<\/a><\/li>\n<li><a href=index-537.html>Kamloops<\/a><\/li>\n<li><a href=index-538.html>Kelowna<\/a><\/li>\n<li><a href=index-539.html>Langley<\/a><\/li>\n<li><a href=index-540.html>Maple Ridge<\/a><\/li>\n<li><a href=index-541.html>Mission<\/a><\/li>\n<li><a href=index-542.html>Nanaimo<\/a><\/li>\n<li><a href=index-543.html>Newton<\/a><\/li>\n<li><a href=index-544.html>New Westminster<\/a><\/li>\n<li><a href=index-545.html>North &amp; Central Vancouver Island<\/a><\/li>\n<li><a href=index-546.html>North Vancouver<\/a><\/li>\n<li><a href=index-547.html>Penticton<\/a><\/li>\n<li><a href=index-548.html>Prince George<\/a><\/li>\n<li><a href=index-549.html>Prince Rupert<\/a><\/li>\n<li><a href=index-550.html>Revelstoke<\/a><\/li>\n<li><a href=index-551.html>Richmond<\/a><\/li>\n<li><a href=index-552.html>Squamish<\/a><\/li>\n<li><a href=index-553.html>Surrey<\/a><\/li>\n<li><a href=index-554.html>Terrace &amp; Kitimat<\/a><\/li>\n<li><a href=index-555.html>Tri-Cities<\/a><\/li>\n<li><a href=index-556.html>Vancouver<\/a><\/li>\n<li><a href=index-557.html>Vernon<\/a><\/li>\n<li><a href=index-558.html>Victoria<\/a><\/li>\n<li><a href=index-559.html>White Rock<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Debt Consultations &amp; Tools\n<ul class=\"page-list first-child last-child\">\n<li><a href=index-290.html>Book Your Free Debt Consultation<\/a><\/li>\n<li><a href=index-560.html>Debt Options Calculator<\/a><\/li>\n<li><a href=index-319.html>Preparing For Your Consultation<\/a><\/li>\n<li><a href=index-561.html>Debt Help Services During COVID-19 Crisis<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Other\n<ul class=\"page-list first-child last-child\">\n<li><a href=index-562.html>Client Resources<\/a><\/li>\n<li><a href=index-563.html>Credit Rebuilding<\/a><\/li>\n<li><a href=index-564.html>Debt Study<\/a><\/li>\n<li><a href=index-565.html>Dollars and Sense<\/a><\/li>\n<li><a href=index-566.html>Newsroom<\/a><\/li>\n<li><a href=index-481.html>Video Gallery<\/a><\/li>\n<li><a href=index-567.html>Website Terms of Use Policy<\/a><\/li>\n<li><a href=index-568.html>Ian&#8217;s Debt-Free Success Story<\/a><\/li>\n<li><a href=index-569.html>Jessica&#8217;s Debt-Free Success Story<\/a><\/li>\n<li><a href=index-570.html>Peter&#8217;s Debt-Free Success Story<\/a><\/li>\n<li><a href=index-571.html>Tammy&#8217;s Debt-Free Success Story<\/a><\/li>\n<li><a href=index-572.html>2023 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-573.html>2022 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-574.html>2021 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-575.html>2020 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-576.html>2019 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-577.html>2018 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-578.html>2017 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-579.html>2016 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-580.html>2014 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-581.html>2013 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-582.html>2012 BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-583.html>BC Student Finances Study<\/a><\/li>\n<li><a href=index-584.html>3 Types of Debt Consolidation in Canada<\/a><\/li>\n<li><a href=index-585.html>4 Ways to Pay Off Credit Card Debts<\/a><\/li>\n<li><a href=index-586.html>4 Budget Issues That Point to a Debt Problem<\/a><\/li>\n<li><a href=index-587.html>4 Questions to Ask When Choosing a Credit Counsellor<\/a><\/li>\n<li><a href=index-588.html>8 Planning and Spending Tips for the Holiday Season<\/a><\/li>\n<li><a href=index-589.html>10 Facts You Should Know About Consumer Proposals<\/a><\/li>\n<li><a href=index-590.html>10 Facts You Should Know About Personal Bankruptcy<\/a><\/li>\n<li><a href=index-591.html>After Making a Consumer Proposal \u2013 What You Need to Know<\/a><\/li>\n<li><a href=index-592.html>Alternatives to Personal Bankruptcy<\/a><\/li>\n<li><a href=index-593.html>An Overview of BC\u2019s Statute of Limitations on Debt<\/a><\/li>\n<li><a href=index-594.html>An Overview of Seize or Sue and Vehicle Loans in BC<\/a><\/li>\n<li><a href=index-595.html>An Overview of Wage Garnishment in BC<\/a><\/li>\n<li><a href=index-596.html>Bankruptcy in Canada: Four Common Myths Debunked<\/a><\/li>\n<li><a href=index-597.html>Breakfast Television Vancouver: Tips to Avoid the Minimum Payment Trap<\/a><\/li>\n<li><a href=index-598.html>Can a Consumer Proposal or Bankruptcy Help with Tax Debt?<\/a><\/li>\n<li><a href=index-599.html>Can I Declare Bankruptcy More Than Once?<\/a><\/li>\n<li><a href=index-600.html>Can I Get a Mortgage After a Bankruptcy or Consumer Proposal?<\/a><\/li>\n<li><a href=index-601.html>Can you Keep your House if you File Bankruptcy?<\/a><\/li>\n<li><a href=index-602.html>Comparing Debt Management Plans \u2013 Pros and Cons of Consumer Debt Solutions<\/a><\/li>\n<li><a href=index-603.html>Consolidating Debt with a Consumer Proposal: Step-by-Step<\/a><\/li>\n<li><a href=index-604.html>Consumer Proposal Pros and Cons<\/a><\/li>\n<li><a href=index-605.html>Consumers Delay Seeking Debt Help Despite Drain on Mental Health \u2013 Latest BC Consumer Debt Study<\/a><\/li>\n<li><a href=index-606.html>Credit Cards: Before, During and After Bankruptcy<\/a><\/li>\n<li><a href=index-607.html>Dealing With a Debt Problem? Here\u2019s What to Avoid (and What to Do Instead)<\/a><\/li>\n<li><a href=index-608.html>Debt Forgiveness with Personal Bankruptcy: Step-by-Step<\/a><\/li>\n<li><a href=index-609.html>Debt Management Tips to Help Navigate the COVID-19 Crisis<\/a><\/li>\n<li><a href=index-610.html>Debt Solutions for Having Government Debts Forgiven<\/a><\/li>\n<li><a href=index-611.html>Do Creditors Usually Accept a Consumer Proposal?<\/a><\/li>\n<li><a href=index-612.html>Do I Qualify for Personal Bankruptcy?<\/a><\/li>\n<li><a href=index-613.html>Financial and Credit Counselling with a Qualified Insolvency Counsellor<\/a><\/li>\n<li><a href=index-614.html>Global News: Unexpected Debt \u2013 and What to do About it<\/a><\/li>\n<li><a href=index-615.html>How (and Why) to Check Your Credit Report<\/a><a href=index-320.html>Blog<\/a><\/li>\n<li><a href=index-616.html>How Do I Get a Consumer Proposal Loan?<\/a><\/li>\n<li><a href=index-617.html>How Do I Get Out of Debt? Expert Tips, Do\u2019s and Don\u2019ts<\/a><\/li>\n<li><a href=index-618.html>How Do I Qualify for a Consumer Proposal?<\/a><\/li>\n<li><a href=index-619.html>How Does a Consumer Proposal Affect You?<\/a><\/li>\n<li><a href=index-620.html>How Does a Licensed Insolvency Trustee Get Paid?<\/a><\/li>\n<li><a href=index-621.html>How Much Debt will a Consumer Proposal Eliminate?<\/a><\/li>\n<li><a href=index-622.html>How Much Does it Cost to Declare Personal Bankruptcy?<\/a><\/li>\n<li><a href=index-494.html>How Much Does it Cost to File a Consumer Proposal?<\/a><\/li>\n<li><a href=index-623.html>How to Better Manage Credit and Debt, and Mistakes Not to Make<\/a><\/li>\n<li><a href=index-608.html>How to Complete Personal Bankruptcy with Sands &amp; Associates<\/a><\/li>\n<li><a href=index-624.html>How to Manage Personal Debt and Finances Through Economic Instability<\/a><\/li>\n<li><a href=index-625.html>How to Pay Off Student Loans in BC<\/a><\/li>\n<li><a href=index-626.html>How do Consumer Proposals Compare to Debt Consolidation Loans?<\/a><\/li>\n<li><a href=index-627.html>Is a Consumer Proposal Right for Me?<\/a><\/li>\n<li><a href=index-628.html>Is Debt Consolidation Good or Bad? Understand the Pros and Cons of Debt Consolidation<\/a><\/li>\n<li><a href=index-292.html>Is Personal Bankruptcy Right for Me?<\/a><\/li>\n<li><a href=index-629.html>\u201cIt\u2019s All Relative\u201d: Understanding Debt Liability for Couples &amp; Families<\/a><\/li>\n<li><a href=index-630.html>Learn About Your Options for Debt Forgiveness in Canada<\/a><\/li>\n<li><a href=index-291.html>Life After Bankruptcy \u2013 What You Need to Know<\/a><\/li>\n<li><a href=index-631.html>My Spouse is Filing for Bankruptcy \u2013 Now What?<\/a><\/li>\n<li><a href=index-632.html>Office Spotlight: Sands &amp; Associates Port Coquitlam<\/a><\/li>\n<li><a href=index-633.html>Options for Consumer Debt Relief in BC<\/a><\/li>\n<li><a href=index-634.html>Paying Off Credit Card Debt \u2013 3 Problems to Avoid<\/a><\/li>\n<li><a href=index-635.html>Shopping Around to Find Your Best Debt Solution? Here\u2019s What to Consider<\/a><\/li>\n<li><a href=index-636.html>Should I Work with a Debt Settlement Agent or Credit Counsellor? What\u2019s the Difference?<\/a><\/li>\n<li><a href=index-637.html>Signs of a Debt Problem You Shouldn\u2019t Ignore<\/a><\/li>\n<li><a href=index-638.html>Small Business Debt \u2013 Basics, Challenges &amp; Solutions<\/a><\/li>\n<li><a href=index-639.html>Turned Down for a Consolidation Loan? Here\u2019s What You Can Do<\/a><\/li>\n<li><a href=index-640.html>Understanding Interest Rates \u2013 and Why They Matter if You Have Debt<\/a><\/li>\n<li><a href=index-641.html>We Help with Debt \u2013 35 Years and Counting<\/a><\/li>\n<li><a href=index-642.html>What Are My Debt Options if I\u2019ve Done a Consumer Proposal Before?<\/a><\/li>\n<li><a href=index-643.html>What are the Advantages of Filing a Consumer Proposal Instead of Declaring Bankruptcy in BC?<\/a><\/li>\n<li><a href=index-644.html>What Assets Can I Keep if I Declare Bankruptcy?<\/a><\/li>\n<li><a href=index-645.html>What Debts will a Consumer Proposal Settle?<\/a><\/li>\n<li><a href=index-646.html>What Happens After Filing a Consumer Proposal<\/a><\/li>\n<li><a href=index-647.html>What Happens if I Can\u2019t Afford my CERB Repayment?<\/a><\/li>\n<li><a href=index-648.html>What Happens When You Can\u2019t Pay Your Debt?<\/a><\/li>\n<li><a href=index-649.html>What\u2019s the Difference Between Consumer Proposals and Bankruptcy?<\/a><\/li>\n<li><a href=index-650.html>What\u2019s the Difference Between Credit Counselling and Consumer Proposals?<\/a><\/li>\n<li><a href=index-651.html>What\u2019s the Difference Between Credit Counselling and Debt Consolidation?<\/a><\/li>\n<li><a href=index-652.html>When is Filing for Personal Bankruptcy the Best Option?<\/a><\/li>\n<li><a href=index-653.html>What\u2019s the Best Plan for Consolidated Credit Counselling?<\/a><\/li>\n<li><a href=index-654.html>What\u2019s the Best Way to Consolidate my Debt?<\/a><\/li>\n<li><a href=index-655.html>What You Should Know About Co-Signing Debts<\/a><\/li>\n<li><a href=index-656.html>What is a Licensed Insolvency Trustee?<\/a><\/li>\n<li><a href=index-657.html>What Does it Mean for Me if My Spouse Files a Consumer Proposal?<\/a><\/li>\n<li><a href=index-658.html>Working with a Licensed Insolvency Trustee \u2013 What to Expect<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>HOMEPAGE Consumer Proposals Consumer Proposals in BC Consumer Proposal FAQs How does making a Consumer Proposal affect my spouse? How much does it cost to file a Consumer Proposal in British Columbia? How long will a Consumer Proposal show on my credit history? Bankruptcy Personal Bankruptcy in BC Bankruptcy FAQs Can my spouse and I [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-4108","page","type-page","status-publish","hentry"],"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>Sitemap | Sands &amp; Associates | Licensed Insolvency Trustees<\/title>\n
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