Sands & Associates is BC’s award-winning Licensed Insolvency Trustee firm of choice for consumers, founded in 1990 and operating from a network of local offices around the province to provide individuals and small businesses with real solutions to debt. As Licensed Insolvency Trustees, we are the people to turn to when you need a plan to deal with your debts.

• Sands & Associates’ Vancouver Licensed Insolvency Trustees, Estate Managers, and Insolvency Counsellors are here to help you, with advice and facts about debt consolidation, debt settlement, Consumer Proposals and more.
• BC residents can be connected with debt help support and services by phone, online video, and in-person meetings at a Sands & Associates location near you, 7 days a week.

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What Services Does a Licensed Insolvency Trustee Provide?

In Canada Licensed Insolvency Trustees are the only professionals endorsed and authorized by the Federal Government to provide debt advice and solutions to consumers. The role of a Licensed Insolvency Trustee is to help you understand your current financial situation and explore all the options available to help you manage and resolve your debt, this can include (but is not limited to) common services such as:

• Assessing your finances together to compare the pros and cons of different debt management plans, strategies, and resources.
• Helping you consolidate and cut your debt through a Consumer Proposal, a special type of legal debt settlement that can have your debt reduced by up to 50-80%.
• Assisting you with a personal bankruptcy administration that may allow up to 100% of your debts to be forgiven.

How Much Does It Cost to Work with a Licensed Insolvency Trustee?

There is no cost to talk with a Licensed Insolvency Trustee to get free advice from a qualified professional about your situation and all your debt options.

If you decide to work on a debt solution such as a Consumer Proposal or personal bankruptcy with a Licensed Insolvency Trustee, it’s important to know that all administration fees are legally set and regulated by Federal legislation.

• A tariff-based administration cost is deducted from the money your creditors receive in a Consumer Proposal, allowing you to consolidate and cut your debt interest-free, without any added cost to you.
  • Only a Licensed Insolvency Trustee can help you make a Consumer Proposal to your creditors.
  • Don’t be fooled by debt consultants or credit counsellors who may charge you referral fees or consulting services that are unnecessary, and often costly!
• For most personal bankruptcies filed in Canada, a basic administration fee is paid and you keep all your assets.
  • In a basic bankruptcy the cost usually totals $2,700 and Sands & Associates offers interest-free options to break this down to an affordable monthly payment.

Get Your Personal Debt-Free Plan in 30 Minutes

Sands & Associates’ team of caring, non-judgmental debt help professionals are here to help you explore your options, so you can decide what the best way is for you to move forward with your life – without debt.

• Our 30-minute consultations are intended to be a stress-free conversation and it is our goal for you to come away with answers, and a clear understanding of the next steps in the debt-free plan you choose.
• You can connect with one of our debt help experts over the phone, online, or in-person, and you can expect to be treated with respect and empathy – these are cornerstones of who we are, and form the foundation of our approach to debt help.

Take 30 minutes and get a debt-free plan that’s right for you!

Your financial fresh start might be closer than you think – book your free confidential debt consultation today to get started.

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