North & Central Vancouver Island Bankruptcy & Debt Services

Janet Humes is a Licensed Insolvency Trustee with over 20 years of experience in personal and business debt management. Janet has a passion for helping individuals understand their options to become debt-free and get their financial lives back on track. She strives to treat everyone with respect while providing professional guidance on how to move forward using available debt solutions, including Consumer Proposals and personal bankruptcy. Janet’s approach in meeting with clients is clear and empathetic: “Seeking help with financial difficulties is one of the hardest and most stressful things a person can do,” she says, “I want people to leave with a feeling of relief, and the knowledge that there is a solution to their financial struggles.”

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

“The only dumb questions are the ones we fail to ask – always keep asking for more information or detail, until you’re comfortable with the answers given.”

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

Contact Janet to set up your appointment.

Providing debt help services for over 16 years, Anne Zukowsky is a highly experienced Sands & Associates Estate Manager and Qualified Insolvency Counsellor working with individuals to resolve their financial challenges and achieve their goals of becoming debt-free. Anne’s warm, non-judgmental approach to solving debt problems helps her clients feel at ease, which as she explains, “It’s important for me that no one is afraid to ask questions, or to seek clarity.”

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

“We’ve all faced times of uncertainty, but you can gain knowledge and confidence in how to take back control of your finances and future, even if you’ve been in a past situation that was out of your control.”

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

Contact Anne 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.

Jag Dial is a Sands & Associates Estate Manager with experience helping consumers solve challenges with debt. When meeting new clients, Jag focuses on providing a judgment-free zone and clear information that ensures people understand all the debt management options available to them. As he explains, “Reducing the stress and anxiety around a debt problem is key, and I want individuals to know this is a safe environment to ask questions in.”

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

“Reaching out for help is often the hardest part – and the sooner you take this step, the sooner your financial stress can be lifted.”

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

Contact Jag to set up your appointment.

Jennifer Thom is an Estate Manager who has worked in the personal insolvency field for over 20 years. It’s important to Jennifer that her clients feel at ease and comfortable with the information they receive as they explore their debt options. She believes that education is key to making the best choice in any situation: “I strive to ensure each person I meet with goes home feeling happy and well-informed about how they can deal with their debt.”

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

“The hardest part of the debt-free process is making the first phone call asking for help.”

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

Contact Jennifer to set up your appointment.

Sandra Wolverton is an Estate Manager and Qualified Insolvency Counsellor with over 20 years of experience working with individuals to solve their debt-related challenges. Sandra’s goal is to help her clients understand how they can move forward, and make the best choices possible for their situation, offering a reassuring, solution-driven approach. As she says, “Sometimes things work out as planned, and sometimes they don’t – that’s why we’re here. Everyone needs a little support at some time or another.”

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

“Although fear can make it seem otherwise, your debt IS a solvable problem. Don’t let it hold you back, we’re here to help you leave yesterday in the past, so you can focus on your todays and tomorrows.”

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

Contact Sandra to set up your appointment.

Selina Jacobson is an Estate Manager and Qualified Insolvency Counsellor with more than 8 years’ experience in helping people find solutions to their problem debt. Selina takes a friendly approach with clients at Sands & Associates, and it’s important to her that individuals seeking assistance with their debt feel comfortable sharing their story and asking questions. As she says, “It’s my goal to explain your options in clear, understandable terms so you feel confident in your decision to move forward with the solution that’s best for your situation.”

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

“Working with a Licensed Insolvency Trustee is an opportunity for you to navigate a new, clear way forward and you’re not alone in mapping out your route.”

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

Contact Selina to set up your appointment.

Stephanie Munsie has six years of insolvency and accounting experience. In addition to being a Sands & Associates Estate Manager, Stephanie is currently enrolled in the Chartered Professional Accountants Canada (CPA) Professional Education Program. Stephanie makes a difference in the lives of her clients through the knowledge she provides. “The lack of available and correct information about debt management solutions can lead people to believe there is no realistic way out of their financial troubles,” she says. “Insolvency proceedings are a remedy and a rehabilitation process to allow individuals a fresh start.”

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

“Review your budget each month and take note of where your money goes. This is essential for maintaining your financial health and truly evaluating your current financial standing.”

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

Contact Stephanie to set up your appointment.