Since founding in 1990, Sands & Associates has grown to become BC’s leading firm of Licensed Insolvency Trustees focused exclusively on debt help services for consumers. Our caring team of Licensed Insolvency Trustees, Insolvency Estate Managers, and Qualified Insolvency Counsellors serve BC residents from a network of local offices across the province. We are pleased to announce that we have recently expanded our network with the opening of Sands & Associates’ office in Revelstoke.
We understand it can feel difficult to take the first step of reaching out for professional advice with a personal debt issue and believe that our supportive, non-judgmental approach to providing debt help is a key component not only of our success, but the success of our clients. Everyone deserves the opportunity to get a financial fresh start, and to be treated with respect and dignity.
“Sands & Associates helped me navigate a way through my debt. I thought I had run out of options, but they offered me several. Sands & Associates relieved so much of my stress, and the financial counselling was extremely beneficial to my family and our budgeting plan.” – Skyla
“Sands & Associates made an incredibly difficult thing looming above my family’s financial future into something with hope and with a light at the end of the tunnel. Every team member made a tremendous amount of effort for my sake and cared enough to ensure a smooth, fast, and efficient transition to eventually having a debt-free life. …it made an incredible difference in our lives!” – Dylan
Debt-stress can be overwhelming and the sooner you confront a growing debt problem, the better. Without intervening action issues almost always get worse, and situations can escalate quickly.
Connect with Sands & Associates in person or from the comfort of home and get non-judgmental debt advice a debt-free plan that’s right for you – book your free, confidential consultation today.
Consumer Debt Help – Advice & Services
Most people never expect to find themselves in a position where they are struggling to pay off their debts, and few individuals are aware of their rights and remedies when it comes to dealing with debt. A debt problem can happen to anyone at any time, and the ideal time to address these issues is in the early stages. A Licensed Insolvency Trustee is your best ally to help you find a solution to clear debt and move forward.
Although there are a wide range of individuals offering debt help services to Canadians, Licensed Insolvency Trustees are Canada’s only official debt help providers and consumers can safely get qualified, free, impartial advice about their situation and explore all their options for managing debt, including debt consolidation and debt relief.
Connect with Sands & Associates’ award-winning Licensed Insolvency Trustees
Solutions to Manage Personal Debt
Many people mistakenly believe that when they are having difficulty managing their debt filing for personal bankruptcy is their only recourse – but you may in fact have several options that will help resolve your situation, including but not limited to:
- Consolidating and cutting your debt with a Consumer Proposal, a special type of legal consolidation that can reduce the debt you must repay by up to 50-80%, without any borrowing or interest charges.
- Working with a lender to refinance your debt through products such as a consolidation loan, mortgage or balance transfer.
- Repaying basic consumer debts through a credit counselling repayment plan.
- Prioritizing debt payments to focus on high-priority balances.
- Declaring bankruptcy to get up to 100% of your debt forgiven.
In some cases, people can solve their debt problem using self-directed resources or strategies that a Licensed Insolvency Trustee can help explore. Or, if you decide that a Consumer Proposal or bankruptcy are the best solution for you and your situation, your Licensed Insolvency Trustee will be there to support you through these processes.
Learn More About Comparing Debt Management Plans
Talking with a Licensed Insolvency Trustee
Anyone can talk with a Licensed Insolvency Trustee to get free, confidential debt advice, and your credit score and history are not qualifiers to getting debt help. A confidential consultation is an opportunity for you to start moving forward, and this conversation should address your concerns, goals – and solutions – to manage your debt.
- When you connect with a debt expert at Sands & Associates, we will take the time to understand your unique situation, and walk you through all your available solutions in clear, understandable terms, answering all of your questions so you can make fully informed decisions about your future.
- At the end of this conversation, you should have a clear outline of the next steps in the plan you choose, and many of our clients tell us that knowing that they could move forward, and how they would do so, lifted a burden from their shoulders.
Sands & Associates’ full suite of debt help services is available seven days a week, with options for in-person meetings, as well as telephone and video conferencing – whatever is most comfortable and convenient for you.
Get non-judgmental advice and debt solutions that work. Book your free, confidential consultation with Sands & Associates now.