Chilliwack 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.

Marlene Byrne has ten years of experience assisting individuals in matters relating to personal insolvency. As a former credit counsellor, lender and bank manager, Marlene has experience in all areas of consolidation. For Marlene, the most important aspects of her job are educating clients about their options for debt resolution and helping them minimize financial stress. “My job is to empower people with knowledge so they know that there is help out there and choices available to them. Working with people to reduce their stress enriches their lives and can even improve their overall health,” says Marlene.

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

“An initial consultation with a Licensed Insolvency Trustee or Estate Manager should not cost you any money. If it does, take it as a red flag that something is wrong.”

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

Contact Marlene to set up your appointment.