Options for Consumer Debt Relief in BC
Oct 10, 2022
Many people struggling to manage their monthly debt payments or pay off their debt balances in full don’t know where to turn for help. As Licensed Insolvency Trustees, debt help is what we do! Read on to learn about different strategies and resources...Read more
Looking for Debt Help? Start Here
Jul 22, 2022
When you’ve got debt but don’t have a plan even a modest balance can take years to pay off, and with accumulating interest charges this means paying back debt also ends up costing much more than it should. Every consumer deserves to make well-informed...Read more
Dealing with Debt and Financial Stress in Your Relationship
Jun 24, 2022
At Sands & Associates every day we help people in BC who are struggling to manage overextended debts and want to know what they can do about it. Dealing with debt and financial issues can be major sources of stress for people, and money worries may often...Read more
8 Things Canadians Should Know About Debt Relief Services
Jun 13, 2022
Before you commit to a debt relief option or debt management program it’s important to understand the basics about debt help and solutions available in Canada. Read on to learn about where you can find advantages in professional debt services, as well as...Read more
Do’s and Don’ts for Credit Cards and Managing Your Credit Card Debt
Apr 8, 2022
Although credit cards are a common and often convenient payment tool, even a “small” balance can turn into a major debt problem faster than many people realize. From finding the right credit card to managing credit card bills, read on to learn do’s and...Read more
Understanding Wage Garnishment: Can Creditors Really Take my Income if I Can’t Pay my Debt?
Mar 21, 2022
Wage garnishment is an extreme collection method that creditors may use to recover a debt owed to them. Dealing with a wage garnishment or even just the threat of one can be incredibly stressful and overwhelming, and many people don’t know what their...Read more
7 Signs You Should Deal with Your Personal Debt – Now
Jan 3, 2022
Many consumers have debt repayment factored into their monthly budget as a standard expense and consider debt payments part of their regular financial affairs. But, according to some Licensed Insolvency Trustees, there are signs that often indicate a better...Read more
3 Common Pieces of Debt Advice to Think Twice About
Dec 16, 2021
The good intentions of others can sometimes lead to receiving bad advice. And, when it comes to money matters and dealing with debt, there can be many pitfalls that often catch consumers unaware. In Canada Licensed Insolvency Trustees are the only...Read more
9 Things Sands & Associates Licensed Insolvency Trustees Want You to Know About Dealing with a Debt Problem
Dec 3, 2021
Since 1990, Sands & Associates - BC’s largest firm of Licensed Insolvency Trustees focused on debt help services for consumers - has helped tens of thousands of people break free from debt and ultimately change their lives with a financial fresh start....Read more
Learn About Your Options for Debt Forgiveness in Canada
Nov 19, 2021
Maybe you’ve seen advertisements for debt forgiveness programs, or you’ve been struggling with debt, or credit card balances that feel never-ending and wondering what, if anything, you can do about it. The good news is that there are two different options...Read more
Should I Work with a Debt Settlement Agent or Credit Counsellor? What’s the Difference?
Oct 8, 2021
If you’re considering getting professional debt help it’s crucial to make a fully informed decision about the organization or individual you choose to work with before moving ahead. What many BC consumers seeking debt solutions do not realize is how...Read more
Expert Tips to Pay Down Credit Card Debt Faster
Oct 5, 2021
Although they’re a convenient payment tool and extremely common form of credit, many people end up struggling with credit card balances – sometimes for years and even decades. Whether you’ve recently made it a personal goal to pay off your credit cards...Read more
Is Being Debt-Free Your Top Financial Priority? It (Almost Always) Should Be
Sep 24, 2021
When being debt-free seems like a goal far into the future or nearly out of reach it’s easy to get lulled into recurring financial habits and resigned to the monthly practice of making long term debt payments. As Licensed Insolvency Trustees every day we...Read more
What is a Licensed Insolvency Trustee?
Sep 10, 2021
Although tens of thousands of Canadians proceed with formal debt solutions each year, many others who struggle with financial challenges don’t know where to turn for support when it comes to dealing with debt. It is important for consumers to not only be...Read more
Office Spotlight: Sands & Associates Kitimat
Aug 23, 2021
Since its founding in Vancouver in 1990, Sands & Associates has grown to become BC’s largest firm of Licensed Insolvency Trustees focused exclusively on debt help services for individuals and small businesses. We are pleased to announce our expanded...Read more
Shopping Around to Find Your Best Debt Solution? Here’s What to Consider
Aug 9, 2021
Taking time to research and compare your options can be a sound strategy in many financial situations - from major purchases to borrowing to retirement planning, and, of course, when it comes to seeking a solution to help better manage your debt. The...Read more
How to Better Manage Credit and Debt, and Mistakes Not to Make
Jul 19, 2021
Whether your goal is to establish a good credit history, pay off your debt or boost your credit score, there are many aspects of credit ratings that are misunderstood by Canadians. More importantly, sometimes the actions we think are correct in managing our...Read more
Office Spotlight: Sands & Associates Terrace
Jul 5, 2021
Since 1990 Sands & Associates has taken great pride in helping people in BC find their best debt solution and become debt-free. Now our debt help services are reaching more consumers and small businesses than ever before, and we’re pleased to announce...Read more
How Do I Get Out of Debt? Expert Tips, Do’s and Don’ts
Jun 21, 2021
Whether you consider your debt a minor nuisance, a major category in your personal budget, or a growing headache, most Canadian consumers aim to shrink their debts as fast as possible. Unfortunately, the ins and outs of debt management can be more complicated...Read more
4 Facts About Tax Debt – Where to Get Tax Debt Help
May 27, 2021
Canada Revenue Agency (CRA) has said that 9 out of 10 Canadians file and pay their income taxes on time – so while a majority are on track, that still leaves many Canadians carrying tax debt, potentially spelling big costs and high stress levels for...Read more
What You Should Know About Co-Signing Debts
Apr 19, 2021
Whether you are considering co-signing a loan with your child, signing up for a joint credit card with your spouse or even signing on to help out a close friend – when it comes to co-signed debt consumers need to be aware of the commitments and...Read more
Personal Debt Check-Up: What to Look for (and What to Ignore)
Apr 5, 2021
Are you feeling unsure about where you stand when it comes to debt? Learn some key factors to consider when you’re evaluating your personal debt situation and overall financial health – we’ll also note some things you can disregard, and where to get...Read more
“It’s All Relative”: Understanding Debt Liability for Couples & Families
Mar 22, 2021
As Licensed Insolvency Trustees it’s common for us to hear from people who are concerned about someone else’s debt problem, or how their own challenges with debt might impact someone else. We often address questions from children worried about their...Read more
How to Balance Your Budget to Pay Off Debt and Cut Money Stress
Mar 5, 2021
Whether your goal is to pay off debt faster or simply manage your regular expenses without relying on credit, you need a financial plan that works for you. Maybe it feels like your financial intentions are going awry each month? You may be going off-course...Read more
Office Spotlight: Sands & Associates Squamish
Feb 22, 2021
BC’s largest firm of Licensed Insolvency Trustees focused on debt help services for individuals and small businesses is proud to announce the addition of another local office to their province-wide network. Sands & Associates’ Squamish office is now...Read more
New BC Study Highlights Detrimental Impact of Debt Problems on Mental Health and Relationships
Jan 22, 2021
The 2020 BC Consumer Debt Study, a new BC-specific study focused on consumer debt issues in the province, reveals that having a debt problem can lead to devastating impacts on a person’s mental health, physical wellbeing, and even their most important...Read more
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Featured Blogs
How Do I Get a Consumer Proposal Loan?
Jul 10, 2023
Consumer Proposals are a unique solution for Canadians to consolidate and cut their debts, without needing new financing or loans. Read on to understand how filing a Consumer Proposal works, how you can finish a Consumer Proposal early – and why you should...Read more
What Happens When You Can’t Pay Your Debt?
Jul 10, 2019
Money problems often sneak up on consumers, and few people are prepared to face unexpected financial hardships that leave them unable to repay their debts as planned. If you’re worried about being unable to pay your credit cards or other debts, read on to...Read more
