New Westminster 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.

Catherine Harrison is a Sands & Associates Licensed Insolvency Trustee with over 30 years’ experience helping consumers solve debt problems. Catherine’s approach to helping people is to listen first to their concerns in order to understand their specific needs, and her goal is ultimately to find a solution tailored to each client’s unique situation. As she explains, “You have options – I’m here to help you explore them all and choose the debt-free plan that is the best fit for you.”

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

“It only takes half an hour of your time to discover your options, whereas waiting costs you a lot in mental energy and stress. Don’t wait to seek support from a Licensed Insolvency Trustee.”

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

Contact Catherine to set up your appointment.

Laura Kehtler is a Licensed Insolvency Trustee and has more than 15 years of experience in the area of personal insolvency. Assisting clients to regain control of their current financial situation and helping them create a foundation for long term financial health is always her goal. “Helping individuals resolve unmanageable debt so they can get a financial fresh start and focus on saving for the future is important. With every client, my hope is that they come away with a full understanding of all options available to them,” says Laura.

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

“Struggling with financial difficulty can feel overwhelming and hopeless. No matter the state of your financial health, it is important to know that there are options available to you to resolve your situation. There is light at the end of the tunnel.”

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

Contact Laura to set up your appointment.

Marianne Ting is a Licensed Insolvency Trustee with over 13 years’ experience helping consumers and business owners with solutions to deal with their debts. Marianne believes that it’s never too late for a fresh start, and that it’s important to focus on moving forward. As she explains, “Don’t be ashamed about having a debt problem – life happens, and debt doesn’t discriminate. Help is here! Although you may be struggling now, that doesn’t have to forever hold you back from your future goals.”

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

“Know that you have options, and understanding the debt solutions available to you is critical to making an informed decision. Reach out, ask the questions, and get the knowledge to move forward with confidence.”

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

Contact Marianne to set up your appointment.

Angelica Heppner is an Estate Manager and Qualified Insolvency Counsellor with over 4 years of experience working with individuals seeking debt relief. When meeting new clients at Sands & Associates, Angelica’s main goal is to help ease their stress and offer reassurance they are in the right place to get real solutions and a financial fresh start. As she explains, “We are here to provide guidance, reduce financial stress, and help people move past their debt issues.”

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

“Although many people may not discuss their struggles with debt, it is a far more common problem than you may realize. You are not alone in this – we are here to help, you just need to reach out.”

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

Contact Angelica to set up your appointment.

Carolyn Neale is an Estate Manager and Qualified Insolvency Counsellor at Sands & Associates with over six years experience in assisting people who are considering their options to manage debt. Carolyn encourages her clients to think about their own short and long-term personal goals as they consider the advantages of working through a legal debt solution. She says, “My objective isn’t just to share tools to achieve freedom from debt, but also for people to be able to navigate confidently with maximum success beyond these immediate needs.”

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

“We know how intimidating legal debt help can seem, but we’re here to assist you in taking control of financial obstacles – and through your journey to a debt-free future!”

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

Contact Carolyn to set up your appointment.

Hannah Brandon is a Sands & Associates Estate Manager with experience guiding people struggling with debt towards solutions that enable them to achieve their future financial goals. Hannah’s aim when meeting with clients is to offer debt help so that each person feels fully informed and confident about taking charge of their finances. As she explains, “It can be difficult to see a bright future when you’re feeling overwhelmed, but you do have a clear path to get out of debt – and professional, honest advice is free for everyone.”

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

“Don’t protect your credit rating over all else – this can prevent you from saving for the future. You’ll have plenty of time to reestablish credit when you’re in a stronger financial position.”

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

Contact Hannah to set up your appointment.

Larisa Malancu is a Sands & Associates Estate Manager with 6 years of personal insolvency experience. Larisa makes it a priority to understand her client’s unique situation and mindset, framing her approach and guidance to best meet each person’s top priorities, areas of interest or concern. “I’m always happy to support clients with practical ways they can remove debt as an obstacle, and move forward to where they really want to be,” says Larisa.

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

“It is possible to regain a balanced life without harmful debt-stress. Make things happen by investing in and committing to yourself!”

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

Contact Larisa to set up your appointment.

Michelle Santos is an Estate Manager who works with individuals seeking solutions to manage their personal debt. Michelle aims to create a comfortable, non-judgmental space for her clients where they can get support and ultimately move forward feeling empowered with the debt solution they choose. “You can get back in control of your financial future – and I’m here to make the process as smooth as possible,” she says.

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

“Don’t wait until the situation feels unmanageable. If you think you have a debt problem, seek help from a Licensed Insolvency Trustee as soon as possible so you can choose your best path forward.”

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

Contact Michelle to set up your appointment.

Mona Meyer is a Qualified Insolvency Counsellor at Sands & Associates with significant experience in the personal debt management field. Financial counselling sessions are a vital component to the debt help services provided to bankruptcy and Consumer Proposal clients. Mona says her main goal during these one-on-one financial counselling sessions is “To provide information and tools that will help each client achieve financial success, in whatever form that means to them personally.”

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

“Asking for help isn’t a sign of weakness – it’s a sign of great courage.”