Sands & Associates is BC’s largest firm of Licensed Insolvency Trustees dedicated to consumer debt help and we know that money problems can happen to anyone and understand you may experience a lot of emotions when it comes to asking for help with your debt. Our caring team of debt experts have been providing debt solutions to British Columbians since 1990 and over the years we’ve helped more than 50,000 people become debt-free.

• Sands & Associates’ Port Coquitlam Licensed Insolvency Trustees are available 7 days a week with support, solutions, and resources to assist you in achieving your debt-free goals.
• All BC residents can connect to Sands & Associates’ award-winning debt help services by phone, online video, and in-person meetings at a local Sands & Associates office near you.

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“What I really like is there was no pressure to move forward until I was ready. So helpful and empathetic, I felt like the process was very gentle given the huge decision I was faced with.” – Mel, Sands & Associates Client

“Sands has allowed me to reduce a lot of financial stress. My payment with Sands is so much lower than I thought possible. The employees and associates are extremely friendly, helpful and non-judgmental, regardless of your situation. I highly recommend choosing Sands, to get out of debt.” – Mike, Sands & Associates Client

“I chose Sands to help get my ongoing financial troubles resolved. They are so very helpful and let me decide how and when to move forward. No pressure, just sound advice. The threatening calls have stopped and now I can concentrate on paying down the debt load.” – Robert, Sands & Associates Client

Read More Sands & Associates Client Testimonials

Getting Debt Help and Advice

The first step towards becoming debt-free is to understand all the different options you have available to you. Once you know the pros and cons of each solution, you’ll be in a position to make informed decisions and move forward with your life – without debt!

In Canada only one debt professional is qualified, endorsed and regulated by the Federal Government to help people with their debt – a Licensed Insolvency Trustee. If you have questions about debt solutions, or are facing a debt problem, a Licensed Insolvency Trustee is your best ally.

• It is our job to help you understand and explore debt solutions, and we can offer you some powerful options to cut or even completely forgive virtually all your debt.
• Licensed Insolvency Trustee are government-regulated debt experts – not salespeople wanting to sell you a consolidation loan or unlicensed debt negotiation services.
• Confidential consultations to talk about your situation, ask all of your questions, and get neutral, non-judgmental advice and real solutions are always free.

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Consolidate and Cut Debt with a Consumer Proposal

A Consumer Proposal is a special type of debt consolidation that allows you to legally combine your debts, then cut the amount you need to repay down to what you can afford over a period up to five years – interest-free!

• With a Consumer Proposal you can consolidate common consumer debts like credit cards, payday loans, overdrafts and more, as well as government debts like outstanding tax balances and student loans.
• You may be able to reduce your debt by up to 50-80% in full settlement, and there is no interest or fees added to your payments.
• Creditors will agree to forgive the unpaid balance, and your assets and income will be legally protected too.

A Licensed Insolvency Trustee is the only professional who can file a Consumer Proposal for you, and we will work with you throughout the process, taking on all the communications with your creditors as well as administering the entire process and providing you with valuable financial counselling sessions.

10 Facts You Should Know About Consumer Proposals

Debt Forgiveness with Personal Bankruptcy

If your financial and personal situation leaves you unable to repay even a portion of your debt, personal bankruptcy may be a solution to consider to legally have your debt forgiven. The personal bankruptcy process is generally straightforward and quite private.

• Most people receive a discharge (‘release’) from bankruptcy in only nine months and keep all their assets.
• Bankruptcy may be able to forgive all your debts (everything from basic consumer debts to government debts can be included), and you’ll only pay a basic administrative fee in most cases.

A Licensed Insolvency Trustee can help you assess whether bankruptcy is the best debt solution for your circumstances and will explain the process to you in detail.

At Sands & Associates we aim for a ‘no surprises’ experience and want you to feel comfortable in your decision to move forward with the debt solution that you choose.

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Debt Management Resources

While many people find their debt solution by working with a Licensed Insolvency Trustee to make a Consumer Proposal or file personal bankruptcy, other people simply need more information from a debt professional to successfully resolve their financial situation.

• For example: Do you truly have a legal obligation to repay the debt? What is the limitation period for your debt collector? Do your creditors have any recourse if you cannot pay the debt?

BC’s various rules and legislation can offer additional debt management resources, and a Licensed Insolvency Trustee will help you explore these avenues – knowing is not owing!

What Happens When You Can’t Pay Your Debt? Learn More

Your Debt-Free Plan in 30 Minutes

At Sands & Associates it is our goal that by the end of your free, confidential 30-minute consultation, you’ll have a clear understanding of your options and the next steps in the debt-free plan you choose.

• Whether you connect with one of our Licensed Insolvency Trustees or Insolvency Estate Managers over the phone, online, or in-person, you can expect to be treated with respect and receive non-judgmental support.
• We believe our caring and empathetic approach helps set us apart from other debt help providers and provides the best experience for our clients.

Take 30 minutes and get a debt-free plan that works for you!

Your debt-free future starts with a free, confidential consultation.

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