If debt has become a problem, or you’ve found yourself struggling to balance debt payments and everyday costs, the team at Sands & Associates wants you to know that you have resources and options to help you deal with your debt and move forward with your life. Talk with a Licensed Insolvency Trustee today to learn about your rights and remedies when it comes to personal debt.
Sands & Associates’ team of Licensed Insolvency Trustees, Estate Managers, and Qualified Insolvency Counsellors have provided BC consumers debt advice and solutions for 35 years, with an emphasis on non-judgmental support, and empowering individuals to make informed decisions about how to solve their financial challenges.
Since founding in 1990, Sands & Associates has grown to become BC’s award-winning Licensed Insolvency Trustee firm of choice with a network of local offices throughout the province.
- Sands & Associates’ Chilliwack debt experts are available 7 days a week to discuss your situation, answer questions you have about managing debt, and help you with a personalized debt-free plan.
- Consumers and small business owners across BC can access Sands & Associates’ services via telephone, video conferencing, and in-person meetings. Find a local Sands & Associates office near you.
Book your free, confidential consultation with a non-judgmental debt expert who cares.
What to Expect Working with a Licensed Insolvency Trustee – Learn More
How Can a Licensed Insolvency Trustee Help Me?
A Licensed Insolvency Trustee is a qualified debt advisor endorsed by the Federal government to provide guidance and solutions to people who are having trouble with their debt, and Licensed Insolvency Trustees are the only officially licensed debt help experts in Canada.
One of the main roles of a Licensed Insolvency Trustee is to help people understand their situation and options to manage debt, and we can also offer you legal solutions such as a Consumer Proposal or personal bankruptcy that can reduce your debt, or have it forgiven altogether.
You don’t need to meet any special qualifiers to get free advice from a Licensed Insolvency Trustee, and if any of the following sounds like your situation we recommend you talk with a local Licensed Insolvency Trustee as soon as possible:
- You’re feeling stressed or worried about your debt or managing your payments
- You’re having trouble paying more than (or not even) the minimum monthly payments on your credit card balances or other bills
- You’ve used credit (or borrowed from family or friends) to make a debt payment
- You’re close to reaching your credit limits, or are uncertain about what debts you have
- Your credit history is being impacted by how much debt you have, or a history of late or missed payments
- Creditors are pursuing you for outstanding balances
- At your current pace it would take you more than five years to pay off your non-mortgage debts
Will my Credit Score Affect my Debt Options?
You can seek help from a Licensed Insolvency Trustee regardless of your credit score and history, and we can guide you through all your options so you can decide how you want to move forward and deal with your debt.
- If you are trying to solve your debt problem by taking on more credit, you may find you’re not eligible to borrow further with a bank or mainstream lender without having a good credit rating, significant asset to use as collateral, or a co-signer to guarantee the new debt.
- Fortunately, qualifying for debt solutions like a Consumer Proposal (consolidates and cuts your debt down to what you can afford to repay) or a bankruptcy (outright debt forgiveness) aren’t reliant on your credit score or history.
Licensed Insolvency Trustees often caution consumers against using a credit rating as a measure of confidence in their debt management or general financial health. A credit score is a constantly changing number to summarize your credit history for potential lenders and often doesn’t provide a clear picture as to an individual’s ability to manage their finances.
Why Your Credit Rating is the Wrong Indicator of Your Financial Health – Learn More
Get Free, Confidential Debt Advice
Whether you’re facing overwhelming credit card debt, a garnishment from Canada Revenue Agency, are feeling burdened by mounting payday loans, or other debts, a Licensed Insolvency Trustee can help you explore your options and get a debt-free plan that’s right for you.
- Sands & Associates’ caring BC debt experts are available 7 days a week to talk with you about your situation and resources, and in half an hour you will have a clear outline of the next steps in the solution that you choose.
- Our consultations are free, confidential, and without judgment.
Debt is a problem like many others in that it can happen to anyone, and that it does have solutions. You are not alone, we’re here to help you.
Your debt-free future could be just a phone call away – book your free, confidential debt consultation with Sands & Associates now.