Tri-Cities 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.

David Tang is an Estate Manager with more than seven years of insolvency administration experience. David’s goal when meeting with clients is to ensure that they feel respected, and walk away with the right information for them to make an informed decision on their financial future.

When meeting with clients for the first time at Sands & Associates, his goal is to ensure that each person comes away feeling confident, empowered, and knowing much more about how to deal with their financial difficulties than when they first arrived. “Providing a solution to individuals so that they can get their life back is the most important part of helping clients for me”, says David.

David’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 for you to acquire the information you need to make the best decision for you going forward.”

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

Contact David to set up your appointment.

Julie Medeiros has more than eight years of experience assisting individuals manage and resolve their debts. Julie works with clients to help them better understand their debt resolution options. Julie conducts a full assessment of each client’s financial situation and focuses on educating them on their rights. Her goal with every Sands & Associates client that she works with is ensuring they clearly understand the options available to them so they can move forward confidently. “Helping clients achieve a financial fresh start is the most important aspect of my job,” says Julie.

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

“It is possible to transform your situation and achieve financial freedom. Once you begin working with a licensed professional to resolve your debts, you will feel your financial stress lessen.”

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

Contact Julie to set up your appointment.