Richmond Bankruptcy & Debt Services

Kimberly To has helped individuals manage and resolve their debts for 25 years. Kimberly is committed to empowering clients through offering them concise and clear information about their debt relief options. Her goal is to create a comfortable and productive environment during each one-on-one session with her Sands & Associates clients. “I aim to reduce each person’s stress by the end of our session,” says Kimberly.

Kimberly is fluent in Cantonese and Mandarin.

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

“A free consultation with a Licensed Insolvency Trustee is a great place to start. There is no obligation and you gain new, important information.”

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

Contact Kimberly to set up your appointment.

Tracey Lowe has more than 20 years of experience helping individuals manage and overcome difficult financial situations. As a Licensed Insolvency Trustee, Tracey specializes in personal insolvency and restructuring, often through administering consumer proposals to creditors. For Tracey, the most important aspect of her job is restoring hope in clients. “Letting people know their options is always my goal. I enjoy helping people achieve a financial fresh start,” she says.

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

“Recognize that this process can give you a fresh start – debt-free!”

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

Contact Tracey to set up your appointment.

Joanne Fong has more than 15 years of experience assisting individuals with personal debt resolution, and specializes in personal bankruptcy and consumer proposals. As a Sands & Associates Estate Manager, Joanne’s goal during one-on-one sessions with clients is to offer clarity, practical insight and hope. “Helping my clients see that there is light at the end of the tunnel is the most important aspect of what I do,” says Joanne.

Joanne is also fluent in Cantonese and Mandarin.

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

“Recognize that there are many ways to move forward. A licensed professional will inform you of avenues you can pursue.”

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

Contact Joanne to set up your appointment.

Lilian Chung is a Qualified Insolvency Counsellor with over nine years of experience in the personal debt management field. Lilian works with Sands & Associates personal bankruptcy and Consumer Proposal clients, providing one-on-one financial counselling. Her primary goal during financial counselling sessions is to help clients set and achieve financial goals, and to develop a realistic personal budget. She says, “The most rewarding part about what I do is being able to help people cut their debts and get a fresh start.”

Lilian is also fluent in Cantonese and Mandarin.

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

“Make sure you understand all your options before you make a decision on how to move forward with dealing with your debt.”