Abbotsford Bankruptcy & Debt Services

In addition to being a Senior Vice President of Sands & Associates, a Licensed Insolvency Trustee and Chartered Professional Accountant, Raj is a Certified Management Accountant and Chartered Insolvency and Restructuring Professional. Raj has more than 10 years of experience in banking, finance, accounting and insolvency matters, and specializes in helping individuals resolve their personal debts. “Assisting individuals in assessing their options for dealing with debt is my primary focus,” says Raj.

Raj’s approach to one-on-one client sessions is non-judgmental and future-oriented. He encourages clients to assess their current situation and takes the time to understand each client’s unique financial situation so he can provide a complete assessment of all possible options. He encourages clients to understand that it is possible to remove the burden of debt from their shoulders. “Debt does not define an individual. Life happens to everyone. At Sands & Associates, we assist individuals in achieving a financial fresh start,” he says.

Raj is fluent in Punjabi.

Raj’s number one piece of advice for people seeking help with their debts:

“You do not have control of what happened in the past. Let’s understand where you are today so that you can move forward to a debt-free future.”

Connect with Raj today to discuss your options during a free, confidential, one-on-one consultation.

Contact Raj to set up your appointment.

Camille Ross is an Estate Manager with 15 years’ experience working with individuals seeking guidance in solving their financial difficulties. Camille is committed to creating a safe, comfortable space where Sands & Associates’ clients can feel at ease sharing their story and getting answers to their questions. As she explains, “Starting these important conversations can feel uncomfortable for people, and I’m here to help them know they’re not alone, and that they have support and solutions to move forward to reach their financial goals.”

Camille’s number one piece of advice for people seeking help with their debts:

“Once you have the knowledge needed to make an informed decision, the path towards a bright financial future becomes much clearer.”

Connect with Camille today to discuss your options during a free, confidential, one-on-one consultation.

Contact Camille to set up your appointment.

Radhika Malhotra is an Estate Manager with over three years of experience in insolvency administration and helping consumers with solutions to deal with debt. Radhika’s goal is to help her clients get back on track with confidence, and without debt’s limitations holding them back. As she describes, “…a financial ‘reset’ can allow people the space to focus on other important things in their lives, and not just always thinking about their debt.”

Radhika’s number one piece of advice for people seeking help with their debts:

“Debt can happen to anyone, please don’t feel embarrassed if debt is a burden in your life. The important thing is to recognize the opportunity to improve the situation – financially and for yourself.”

Connect with Radhika today to discuss your options during a free, confidential, one-on-one consultation.

Contact Radhika to set up your appointment.