Office Spotlight: Sands & Associates Langley

As Canada’s only official debt help experts, Licensed Insolvency Trustees are uniquely qualified to help you deal with your debt, and every month across Canada thousands of consumers facing overwhelming debt decide to work with a Licensed Insolvency Trustee.

Since founding in 1990, Sands & Associates has become the leading Licensed Insolvency Trustee firm in BC and over the years we have helped tens of thousands of British Columbians solve problem debt and move forward with their lives.

Our friendly, knowledgeable team of Licensed Insolvency Trustees, Estate Managers, and Qualified Insolvency Counsellors offer debt advice, support, and solutions with award-winning service and a non-judgmental approach.

• Sands & Associates’ Langley debt experts are available 7 days a week to help you understand your situation, explore debt solutions, and get a debt-free plan that’s right for you.
• Consumers across BC can access all of Sands & Associates’ services through phone appointments, online video conferencing, and in-person meetings at a local Sands & Associates office near you.

Get a financial fresh start by connecting with a BC debt expert today – book your free, confidential debt consultation now. 

Learn More About Why a Licensed Insolvency Trustee is Your Best Debt Help Resource

When Should I Talk to a Licensed Insolvency Trustee? 

A debt problem can happen to anyone at any time, regardless of your income, education, or family situation. At Sands & Associates we understand that it can feel difficult to ask for help, especially with personal financial matters, and that many people feel ashamed or afraid to seek support. We believe that everyone deserves help and to be treated with respect and dignity.

Anyone can connect directly with a Licensed Insolvency Trustee local to their province to safely get qualified professional advice about their debt, and it’s best to do this as soon as you recognize your debt is becoming a problem. As Licensed Insolvency Trustees, we are also the people who can legally shield you from your creditors when you need a plan to deal with your debt.

If any of the following signs of a debt problem sound familiar, or you simply want to explore ways to better manage your debt, talk to a Licensed Insolvency Trustee:

• Stress about your debt or financial situation, including worry, anxiety or feeling helpless.
• Only making minimum monthly payments on your credit card debts or line of credit balances.
• Seeing your debt balances increase or stay the same each month despite making payments (especially if you’re using credit to cover your basic costs of living).
• Accounts that are almost maxxed-out or have gone to collections.
• Having overdue payments or income tax filings due to outstanding balances.
• Being turned down for a consolidation loan (whether your credit score is high or not).
• Hiding your financial difficulties from your family or friends.
• Putting life events on hold because your debt is not under control.

If you are struggling with paying off your debt, know that you are not alone in this, and that there are solutions that can help you move forward. The first step is to talk with a Licensed Insolvency Trustee and explore your options.

9 Things Licensed Insolvency Trustees Want You to Know About Dealing with a Debt Problem 

What Debt Solutions Does a Licensed Insolvency Trustee Offer? 

Canadian consumers have a variety of legal and informal solutions, resources, and rights when it comes to dealing with debt, and the role of a Licensed Insolvency Trustee is to help you understand your options and assist you in deciding how to move forward.

During a free, confidential consultation you’ll have the opportunity to talk one-on-one with a Licensed Insolvency Trustee about your concerns, goals, and situation, and together discuss debt solutions including, but not limited to:

• Consolidating and cutting your debt with a Consumer Proposal.
• Debt repayment through credit counselling.
• Strategies to pay down your debt on your own.
• Consumer resources such as BC’s ‘seize or sue’ provisions and ‘statute of limitations on debt’.
• Having your debts forgiven through personal bankruptcy.

If you choose to solve your debt with a legal debt solution like a Consumer Proposal or personal bankruptcy, your Licensed Insolvency Trustee will work with you throughout the process.

Whatever your debt-free plan, it is our goal that by the end of your consultation you will have a clear outline of your next steps, and many of our clients tell us that this initial meeting provided them substantial relief in knowing how they would move forward to achieve a debt-free future with professional support.

Get non-judgmental advice from a professional who cares – book your free, confidential debt consultation with a Sands & Associates Licensed Insolvency Trustee.