What You Need to Know Before Consolidating Debt
Jun 10, 2019
First off – what do we mean by ‘debt consolidation’? Debt consolidation is a term that you hear a lot, and it typically means that you combine all of your debt into a single monthly payment, rather than paying each of your debts separately each month....Read more
4 Financial Professionals Everyone Should Know
May 28, 2019
Blair Mantin, Senior Vice-President of Sands & Associates and Vancouver Licensed Insolvency Trustee meets with people every day who are looking for debt help and financial expertise. He knows better than most that there are times and situations in life...Read more
Cutting Interest on Student Loans – Is It Enough?
May 21, 2019
Blair Mantin Senior Vice-President at Sands & Associates, BC’s biggest firm of Licensed Insolvency Trustees, cautions that recent moves by provincial and federal governments on student loans may not be enough to entirely halt future financial challenges...Read more
Bankruptcy Basics Explained
May 14, 2019
The 12-month period ending December 31 2018 saw over 10,000 BC consumers turn to insolvency legislation for debt relief. Over 4,000 of those people filed personal bankruptcy, and debt industry experts are predicting that annual filings will rise over the next...Read more
Dealing With a Debt Problem? Here’s What to Avoid (and What to Do Instead)
Apr 29, 2019
Dealing with unmanageable debt can become a long-term problem for many individuals and, as Licensed Insolvency Trustees, sadly we often work with people who have realized too late that the steps they’ve been taking to try to fix their debt problems have...Read more
Comparing Debt Management Plans – Pros and Cons of Consumer Debt Solutions
Apr 15, 2019
Many people feel unsure what to look for, consider, or even where to start when evaluating resources they have to manage debt. Fortunately, you are not alone in navigating these decisions. Every day Licensed Insolvency Trustees help individuals do just this,...Read more
4 Common Causes of Tax Debt (and What to Do if you Can’t Pay)
Apr 2, 2019
While filing an income tax return might be a financial win if you’re expecting a refund, it can be a huge source of stress if you’re one of the thousands of Canadians who have unpaid tax debt. Blair Mantin, a Licensed Insolvency Trustee and Senior...Read more
4 Tips for a Stress-Free Tax Time
Mar 13, 2019
Tax season can be the best of times (if you’re getting a refund), or the worst of times (if you procrastinate filing or know you owe money). Like it or not, tax time is here! Vice-President at Sands & Associates and Vancouver Licensed Insolvency...Read more
Risky and Riskier – Understanding Payday and Brokered Cash Loans
Feb 25, 2019
When it comes to alternative borrowing, payday loans are about as risky as it gets. Payday loans are often used as a way to get access to credit quickly, regardless of your credit history or score. Here’s how it works: Payday loans are short-term loans...Read more
Why Financial Advisors Need to Know a Debt Expert
Feb 21, 2019
“Knowing is not owing” isn’t just good advice for those in debt; if you’re a specialist in the financial industry, here’s why you should have a Licensed Insolvency Trustee (formerly called Bankruptcy Trustees) within your professional...Read more
What’s the Difference Between Credit Counselling and Debt Consolidation?
Feb 11, 2019
One of the first debt management tools most people research is a debt consolidation loan. Another debt solution that is a type of debt consolidation is a credit counselling program, often known as a Debt Management Plan (“DMP”). Although both options can...Read more
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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
