Penticton 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.

Darlene Mullen has more than 15 years of insolvency experience and specializes in personal debt management solutions. Darlene is committed to providing individuals the information they need to make informed choices about how to become debt free. She works closely with Sands & Associates clients to help them achieve greater control of their debt relief options, and ultimately, their futures. “The most important aspect of my job is renewing hope for individuals that there is financial relief and that they can get on with the positive aspects of their lives,” says Darlene.

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

“Your financial fresh start begins the day you file for bankruptcy or file a consumer proposal. This is your opportunity to start moving forward and creating positive financial habits now.”

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

Contact Darlene to set up your appointment.

John Manson has seven years of personal insolvency experience and is dedicated to providing his Sands & Associates clients the tools they require to manage and overcome challenging financial situations. Specializing in personal insolvency, John helps clients understand the often daunting and misunderstood aspects of debt resolution. “The most important part of my job is informing people of the laws around dealing with debt and how it affects their situation,” says John.

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

“Take full advantage of the tools and information you receive from your Licensed Insolvency Trustee. The more that you put into the process, the more you can get out of it.”

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

Contact John to set up your appointment.