Business Bankruptcy in BC
Oct 6, 2025
Dealing with debt issues as a business owner can be overwhelming, and many people don’t know what their responsibilities, rights, and remedies are when it comes to dealing with debts incurred through their business operations. A Licensed Insolvency Trustee...Read more
Division 1 Proposals for Business Debt
Oct 6, 2025
A common misconception among business owners is that the only option to deal with a struggling business is bankruptcy or receivership, nothing in between. Business owners often feel they are at the mercy of their creditors or bank. The reality is that a...Read more
How to Manage Personal Debt and Finances Through Economic Instability
Jul 7, 2025
If you’re a BC consumer concerned about the effects of economic uncertainties on your personal finances, you’re not alone. For many people who are carrying debt, even a small change can upset a household budget and cause debt to become a serious problem....Read more
Debunking Common Consumer Debt Myths
Jun 2, 2025
Licensed Insolvency Trustees are Canada’s official debt help professionals, and we are uniquely qualified and empowered to offer advice and help to individuals looking for support and solutions to deal with their debt. Our job is to help you understand...Read more
We Help with Debt – 35 Years and Counting
Apr 22, 2025
In early 2025 Sands & Associates reached a new milestone in our longstanding history as a firm of Licensed Insolvency Trustees dedicated to consumer debt help services in BC – our 35-year anniversary! As we celebrate this important milestone, we would...Read more
New Debt Study Uncovers How Debt Problems Impact BC Consumers
Jan 27, 2025
The latest BC Consumer Debt Study from Sands & Associates shows credit card bills are the number one driver of debt problems for BC consumers – and people are waiting longer than ever to seek debt help. Having polled over 2,100 people from around...Read more
Office Spotlight: Sands & Associates Revelstoke
Dec 16, 2024
Since founding in 1990, Sands & Associates has grown to become BC’s leading firm of Licensed Insolvency Trustees focused exclusively on debt help services for consumers. Our caring team of Licensed Insolvency Trustees, Insolvency Estate Managers, and...Read more
Office Spotlight: Sands & Associates North Vancouver
Sep 23, 2024
Sands & Associates is BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt help services. Since 1990 Sands & Associates has grown to become an award-winning firm serving residents across the province, and we are proud to have...Read more
Why a Licensed Insolvency Trustee is Your Best Debt Help Resource
Jul 8, 2024
If you’ve found yourself worried about managing your debt and wondering what you should – or even can – do to get out of debt, you’re not alone. Struggling with debt can feel overwhelming and isolating and many Canadians are unsure where to turn for...Read more
Bad Credit? Here’s What You Can Do
May 6, 2024
Are you struggling with debt or wondering what you can do to deal with a bad credit score and move forward financially? The good news is there are actions you can take to improve your financial situation and credit score. Read on to learn tips for...Read more
Unqualified Debt Advisors – What Consumers Need to Know
Apr 8, 2024
Are you looking for professional debt help? Before connecting with an advisor, read on to learn about debt management services in British Columbia and understand some of the regulatory gaps that can have serious impacts to consumers looking for debt...Read more
New BC Study Explores Personal Debt Problems in the Province
Jan 23, 2024
The latest BC Consumer Debt Study shows that BC’s costs of living have become a key cause of debt problems, and challenges dealing with debt are taking a significant toll on the personal wellbeing of thousands of British Columbians. Having polled over...Read more
Financial and Credit Counselling with a Qualified Insolvency Counsellor
Nov 20, 2023
Studies have shown receiving professional debt help from a Licensed Insolvency Trustee can provide many positive impacts to an individual’s personal approach on money matters, through improving budgeting and savings skills, offering a better understanding...Read more
How Much Debt is Too Much?
Nov 2, 2023
When most people seem to be carrying debt, just how do you know when you’ve got a problem? BC debt expert and Sands & Associates Licensed Insolvency Trustee Blair Mantin recently joined Global News to share some common warning signs about personal debt...Read more
Understanding Interest Rates – and Why They Matter if You Have Debt
Oct 2, 2023
Interest rate changes can have significant effects on the average consumer, with rate hikes triggering immediate changes to debt costs and payment requirements. Read on to learn what Canadian consumers should understand about interest rates, including how...Read more
Office Spotlight: Sands & Associates Prince Rupert
Sep 18, 2023
BC Licensed Insolvency Trustee firm Sands & Associates is pleased to announce the opening of its newest local office in the province – Sands & Associates’ Prince Rupert location. Founded in 1990, Sands & Associates has grown to become an...Read more
Office Spotlight: Sands & Associates Mission
Aug 7, 2023
Since 1990, Sands & Associates’ debt experts have provided support and solutions to thousands of people across British Columbia, and now BC’s largest firm of Licensed Insolvency Trustees focused on debt help for consumers is pleased to announce the...Read more
Risky Consumer Debts – and What to Watch For
Jun 21, 2023
While using credit is nearly unavoidable for most modern consumers, some types of debt run the risk of turning into a major problem. Are you carrying a debt that could be deemed risky? BC Licensed Insolvency Trustee Blair Mantin joined CTV News Vancouver to...Read more
You Owe it to Yourself to Get Debt Help
May 22, 2023
Are you worried about managing debt that feels never-ending? Facing account balances that never seem to go down, no matter how many payments you make? Have you been thinking about seeking professional debt advice but been too overwhelmed or afraid to seek...Read more
Understanding Credit Reports and Scores in Canada (Plus When, Why and How to Check Them)
Apr 24, 2023
Credit history and ratings are often a confusing aspect of money matters for Canadians, and as Licensed Insolvency Trustees we are regularly asked about how consumer credit reports work. If you’ve ever had a credit account, read on to learn the essentials...Read more
4 Questions to Ask When Choosing a Credit Counsellor
Apr 11, 2023
When dealing with a debt problem as many as 95% of people don’t seek professional support right away. Once the decision is made to get help, it’s not uncommon for people to feel overwhelmed trying to understand what resources are available, and where to...Read more
What’s the Difference Between Good Debt and Bad Debt?
Mar 27, 2023
What makes a debt ‘good’ or ‘bad’? Well…that depends. If you’re evaluating your personal finances read on to learn some key factors in categorizing your debts, guidance in prioritizing debt repayment, and where you can safely get qualified...Read more
How Do I Know When to Get Professional Debt Help?
Mar 13, 2023
Many people with debt are unsure whether their situation warrants professional input, and these uncertainties and delays often cause people to remain in stressful situations that otherwise could be quickly resolved with help from a Licensed Insolvency...Read more
Expert Debt Advice for a Debt-Free Plan
Feb 22, 2023
Money worries are often a daily stress for people struggling to pay off debt and can have serious impacts on day-to-day life. Blair Mantin, President of Sands & Associates, BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt...Read more
Sands & Associates Recognized as BC’s Best Licensed Insolvency Trustee
Feb 13, 2023
Sands & Associates is thrilled to announce we have been recognized as a best-in-class BC business, being presented 2025 Consumer Choice Awards in the category of best Licensed Insolvency Trustees. We are proud to have received this prestigious award for...Read more
Learn the Answers to Top FAQs Debt Experts Hear
Nov 16, 2022
Finding your way through the ins and outs of consumer debt can feel understandably overwhelming for the average person, and many people are unsure what to ask, or where to turn to get the facts about debt. President of Sands & Associates and BC...Read more
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Featured Blogs
How Do I Get a Consumer Proposal Loan?
Jul 10, 2023
Consumer Proposals are a unique solution for Canadians to consolidate and cut their debts, without needing new financing or loans. Read on to understand how filing a Consumer Proposal works, how you can finish a Consumer Proposal early – and why you should...Read more
What Happens When You Can’t Pay Your Debt?
Jul 10, 2019
Money problems often sneak up on consumers, and few people are prepared to face unexpected financial hardships that leave them unable to repay their debts as planned. If you’re worried about being unable to pay your credit cards or other debts, read on to...Read more
