Surrey 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.

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.

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.

Annie Kalra is a Sands & Associates Estate Manager who works with individuals looking for support and solutions to deal with their debt. Annie strives to create a safe, non-judgmental space where her clients can feel heard and provide information in a way that helps them feel empowered. As she explains, “Once you have clarity around your options it’s much easier to move forward with confidence.”

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

“There is always a path forward, even though things may feel difficult right now. We’re here to help you create a successful financial future, however that looks for you.”

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

Contact Annie to set up your appointment.

With more than 15 years of experience, Cindy Wallas works with individual and corporate clients to resolve their debt issues. Cindy is currently enrolled in the CAIRP (Trustee) Qualification Program. Recognizing that debt management requires thorough understanding of resolution options, Cindy offers comprehensive insight and guidance, and encourages clients to take their time. “My main goal when it comes to assisting clients is to make them feel comfortable and give them as much time and information as they need to make their decision,” says Cindy.

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

“Once you deal with your past debt and past financial issues, you can look towards the future with excitement and optimism.”

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

Contact Cindy to set up your appointment.

Daniel Vavrukh is a Sands & Associates Estate Manager who works with individuals and small businesses looking for support and solutions to manage debt. Daniel’s approach to debt help focuses on empathy, and understanding each person’s unique situation and needs. “There are many factors that cause financial stress, and I often draw on my own personal experiences when helping people move past their challenges. No one should feel that they are alone.”, he explains.

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

“A debt problem won’t solve itself, but you have help in facing debt and finding a solution – we’re here for you!”

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

Contact Daniel to set up your appointment.

Hashan Premathilaka is a Sands & Associates Estate Manager focused on providing personal and small business debt help services. Hashan’s first goal when meeting new clients is to understand the challenges they have been facing and offer support to ease their debt-stress. As he explains, “We’re here to provide guidance and information about your options. I aim to have a clear, comfortable conversation together so you can feel confident about your future and financial stability.”

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

“Please know that despite how overwhelming debt feels, there is always a solution – and we’re here to help you gain financial freedom and peace of mind.”

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

Contact Hashan 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.

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.

Omer Ali Shams is a Sands & Associates Estate Manager who helps individuals and small businesses seeking debt solutions. Omer encourages his clients to focus on the future as they consider their options to deal with debt. As he explains, “It’s important to remember that we can’t change what’s happened in the past, but we can help you move forward. Without the weight of debt your future personal finances can feel much more manageable, and financial goals within reach.”

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

“Take the opportunity to talk with a Licensed Insolvency Trustee for free about your debt – one short meeting can lead to significant, meaningful changes in your life.”

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

Contact Omer to set up your appointment.

Romey Mattu is a Sands & Associates Estate Manager working with BC consumers to solve their personal debt issues. Romey’s approach with clients seeking debt help is to ensure each person feels heard, and their individual needs understood. As he explains, “I want you to know that your goals are important, and that you have my support as you put debt behind you and move forward with your financial fresh start.”

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

“Misinformation about debt solutions can cause a lot of stress and setbacks – always connect with a Licensed Insolvency Trustee to be sure you get accurate information about your situation and options.”

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

Contact Romey to set up your appointment.

Yuliya Bal is an Estate Manager with over five years’ experience working with British Columbians looking for solutions to deal with their debt. When meeting with clients at Sands & Associates Yuliya strives to create a space where people can feel comfortable and at ease, as she explains, “Having a debt problem can be scary, and knowing you have understanding supportive help is important.”

Yuliya is also fluent in Ukrainian.

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

“Connecting with a Licensed Insolvency Trustee to get information about your options is a key step to overcoming the worry you may have about your debt. You are not alone, and a fresh start IS possible!”

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

Contact Yuliya to set up your appointment.

Jennifer Gaviria is a Sands & Associates Qualified Insolvency Counsellor who works with BC consumers managing their debt through a Consumer Proposal or personal bankruptcy. Jennifer’s goal with clients is for them to feel confident as they move forward with a financial fresh start and she emphasizes a compassionate approach to helping people. As she explains, “Debt problems are more common than many people think, and everyone deserves a judgment-free space to find the solution that’s right for them.”

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

“There is no shame in asking for help with your debt, only strength in having taken the first step towards a better financial future for yourself.”

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.”

Sandeep Kaur is a Qualified Insolvency Counsellor who works with Sands & Associates clients managing their debt through Consumer Proposals and personal bankruptcy. It’s important to Sandeep that individuals feel heard, respected, and confident as they focus on their debt-free future. As she explains, “I aim to make each step of your debt-free journey approachable and empowering – you deserve to feel supported and positive about your personal situation and finances.”

Sandeep is fluent in Punjabi and Hindi.

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

“The sooner you speak with a Licensed Insolvency Trustee about your options, the sooner you’ll get clarity about how to move forward with your life and the sooner you’ll feel relief from debt-stress.”