Sands & Associates

Less Debt, More You!

Live your best life, free from the stress of debt. Get non-judgmental advice and a plan to be debt-free. ⤵️

Book your free, confidential debt consultation with a caring Sands & Associates expert today: www.sands-trustee.com


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What to Expect at a Debt Consultation with Sands & Associates

Your meeting will focus on helping you understand all your options, assessing which feels like the best fit for your situation, and together building your plan to get out of debt.

Some of the possible debt management solutions we’ll discuss will include, but are not limited to:

▪️ Focused do-it-yourself approaches such as: budgeting, prioritizing specific debts, utilizing available assets, resources such as BC’s statute of limitations, etc.
▪️ Refinancing solutions and strategies.
▪️ Debt repayment plans offered by credit counsellors and other types of informal debt agents.
▪️ Consolidating and cutting debt with a Consumer Proposal.
▪️ Personal bankruptcy, where full debt forgiveness is appropriate or other options unsuitable.

In under an hour you’ll get a personalized debt-free plan and have a clear outline of your next steps.

Our goal is that your consultation will offer you all the information you need to make a confident decision about your options, an opportunity to move forward with a financial fresh start and an end to any debt-stress you may have been feeling.

Ready to get started? Book your free, confidential consultation with a non-judgmental debt expert today: https://bit.ly/4ckyLZY


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Whether you want to stop debt-stress, cut your monthly debt payments, or move forward with a financial fresh start – you have options and Sands & Associates is here to help.

Get non-judgmental advice and a debt-free plan that works for you.

➡️ Book your free, confidential consultation here:
www.sands-trustee.com


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If you’ve found yourself worried about debt and wondering what you should – or even can – do to get out of debt, you’re not alone. Struggling with debt can feel overwhelming and isolating and many Canadians are unsure where to turn for help.

Fortunately, debt is a problem like many others in that it does have solutions and Canadian consumers have an ally in this – Licensed Insolvency Trustees.

➡️ Learn why a Licensed Insolvency Trustee is your best debt help resource: https://bit.ly/3LfnxKz


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Get debt help on your schedule – Sands & Associates is here for you 7 days a week.

You have options to deal with debt for good, and our non-judgmental experts are here to support you. ⤵️

Book your free, confidential consultation with a local Licensed Insolvency Trustee who cares: www.sands-trustee.com


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Should I Consolidate my Credit Card Debt?

No two situations are exactly alike, but consolidating credit card debt can be a great option to get yourself on a path to being debt-free – and to break the cycle of credit card payments and interest, particularly if you are:

💳️ Struggling to make substantial progress on paying off your credit card debt
💳️ Having difficulty paying much more than your minimum monthly payments
💳️ Simply feeling like your credit card debts are never-ending

Explore all your debt options together with a Licensed Insolvency Trustee, including solutions for debt consolidation: https://bit.ly/3L90l0g


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If you’re feeling frustrated with your debt, or as though you’ll never get your debt paid off – know that you are not alone in this, and that debt-free IS possible!

Connect with a non-judgmental expert to understand your options and choose a debt-free plan that’s right for you:
www.sands-trustee.com


[Image Description: Quote from Sands & Associates client reads: “I spoke to quite a few different companies to get a feel for what each company's process was. Sands & Associates made me feel comfortable right away and were very knowledgeable. There was never a moment when I doubted what they were saying and knew they could help me.”]

Understanding Credit Scores

BC Licensed Insolvency Trustee and President of Sands & Associates Blair Mantin shares tips for establishing a positive credit history and boosting your credit rating.

Learn more here: https://bit.ly/4bwGBOU


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How Long Before a Creditor Can Garnish Wages?

The Good News: Most creditors need to get two court orders for a wage garnishment, which usually takes some time.

The Bad News: If you owe money to the government, unlike most other creditors, they can essentially skip these court steps. Canada Revenue Agency does not need a court order to start a wage garnishment, they can issue a “requirement to pay” notice directly to your employer (or to a client if you are self-employed).

Many people don’t learn that a wage garnishment is starting until their payroll department lets them know they have received the notice, giving them little time to react or prepare for this income cut.

➡️ Learn more about wage garnishments, and solutions for dealing with government debt: https://bit.ly/4eY54jg


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Your debt-free future might start with just a simple phone call…

Connect today to discuss your situation and explore your options together with a caring local expert ⤵️

1-800-661-3030 | www.sands-trustee.com


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We’re here to understand your situation and help you learn how you can deal with your debt – you have options! It is our goal for you to come away feeling confident, with a clear outline of the next steps in your debt-free plan.

Book your free, confidential consultation with a local expert today: www.sands-trustee.com


[Image Description: Quote from Sands & Associates client reads: “The people that worked with me were very knowledgeable and made sure that I understood all my options and how everything works. In the end, my stress levels were brought way down. Thank you for all your help.”]

Have a wonderful long weekend everyone! ☀️
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What Does a Licensed Insolvency Trustee Do for Me?

Licensed Insolvency Trustees are Canada’s official debt help experts. ➡️ Learn how, why, and what to expect when you work with a Licensed Insolvency Trustee – from confidential consultations and debt repayment planning, to Consumer Proposal debt consolidation and bankruptcy debt forgiveness: https://bit.ly/4dXEuGy


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Many people tell us they wish they hadn’t waited so long to get support, or how the first time they spoke with a Licensed Insolvency Trustee they felt the weight of their debt lifted from their shoulders.

Get confidential non-judgmental advice and move forward with your debt-free plan today.

1-800-661-3030 📲 www.sands-trustee.com


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Advantages of Consumer Proposals Over Bankruptcy

Looking for a debt solution to help you regain control of your finances and clear debt? ⤵️

Learn about Canada’s options for consumer debt relief, and why individuals should consider filing a Consumer Proposal to consolidate and cut debt instead of declaring bankruptcy: https://bit.ly/4cc0b45


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What would your life look like, debt-free?

Learn about your options today and move forward with confidence in your debt-free future. 👋 Sands & Associates is here to support you with resources and solutions that work.

Book your free, confidential debt consultation now:
www.sands-trustee.com


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Who Will Know if I File for Bankruptcy?

Many people considering bankruptcy are concerned about their privacy, and the good news is that the bankruptcy process in BC is actually quite private.

▪️ In most personal bankruptcies only your creditors, Licensed Insolvency Trustee, and the Office of the Superintendent of Bankruptcy (“OSB”) will be aware of the proceedings.

▪️ Credit bureaus will obtain information about your personal bankruptcy from the OSB and keep this information on your credit history for six years from the date you are discharged (released) from bankruptcy. This does not mean you cannot obtain credit during this time, and during your bankruptcy one-on-one financial counselling sessions will provide you with tools and resources to help you re-establish a positive credit rating.

➡️ Book a free, confidential consultation to talk with a Licensed Insolvency Trustee about your options, including bankruptcy and bankruptcy alternatives: https://bit.ly/3Kgy2wv

❓️ Read more personal bankruptcy FAQs here: https://bit.ly/450CFEG


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If your goal is to become debt-free a Licensed Insolvency Trustee is your best ally, qualified to advise you on all your options and work together with you on the debt-free plan that’s right for YOU.

You have options to deal with debt for good, and our non-judgmental experts are here to help. ➡️ Get started today, book your free debt consultation now: www.sands-trustee.com


[Image Description: Quote from Sands & Associates client reads: “Lovely experience with every member of the team that I crossed paths with while dealing with Sands & Associates. They gave me all the details of every option, so I was confident I was making the right decision. 10/10 would recommend!”]

Do I Qualify for Personal Bankruptcy?

If you’re struggling with debt, you may consider whether declaring bankruptcy is a solution to help you get a financial fresh start. ⤵️

Learn how to qualify for personal bankruptcy in BC and get information about the number one alternative to bankruptcy in Canada – a Consumer Proposal: https://bit.ly/4ehDTiX


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You CAN rewrite your debt story – and we’re here to help.

Explore your options and get started with a debt-free plan that’s right for you. ➡️ Book your free, confidential consultation with Sands & Associates today: www.sands-trustee.com


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You owe it to yourself to get debt help.

Sands & Associates is here to offer solutions and support so you can move forward with your life. ⤵️

Talk with a non-judgmental expert to learn about your debt options, and get a financial fresh start today: www.sands-trustee.com


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Your financial fresh start and debt-free future might start with just a phone call. Take charge now…

1-800-661-3030 📲 www.sands-trustee.com


[Image Description: Quote from Sands & Associates client reads: “The team was so supportive, patient, understanding and dedicated. They worked hard and diligently to get the results I needed. I have been drowning in debt for what feels like forever and now thanks to them I finally have my life back!”]

Can my Spouse and I File a Consumer Proposal Together?

In situations where spouses have debts in common it is possible (and often advantageous) to file a joint Consumer Proposal together.

▪️ It is not a requirement for all debts in a joint Consumer Proposal to be jointly held, but there should be some substantial level of commonality/shared liability for the debts (i.e. at least some debts are in both peoples’ names).

▪️ If both spouses have unmanageable debts but few debts in common, then separate solutions to resolve the financial issues may be more appropriate.

A Licensed Insolvency Trustee can help you understand your situation and all your options to deal with both individual and joint debts. ➡️ Book a free confidential debt consultation here: https://bit.ly/3QY8VSN

Read more Consumer Proposal FAQs here: https://bit.ly/3Ke3Jqb


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Less Debt, More You!

We’re here to help you move forward with your life – without debt.

Start with a free, confidential consultation and get a plan to be debt-free that works for YOU ➡️ www.sands-trustee.com


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Is Debt Consolidation Good or Bad?

Consolidating debt can help you streamline debt payments and ultimately pay off your debts faster – but there are different types of debt consolidation, and pros and cons to consider.

➡️ Learn about the ins and outs of debt consolidation and one of the best ways Canadians can consolidate debt: https://bit.ly/44XDPjW


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You are not alone in solving a debt problem – we are here to help you understand your options and choose the way forward that’s right for you.

Talk with a local debt expert who cares. 👋 Book your free, confidential consultation and get a financial fresh start today: www.sands-trustee.com


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Debt help without judgment, it’s that simple.

Get a financial fresh start today - book your free, confidential consultation now: www.sands-trustee.com


[Image Description: Quote from Sands & Associates client reads: “When I came to Sands, I was feeling so overwhelmed with debt and not knowing if I could ever pull myself out. … all the staff I interacted with were so friendly and helped me without judgment. I would 100% recommend them to anyone that is feeling the crushing weight of debt.”]

Debt-Free, Care-Free…

Sands & Associates is here to help you get a financial fresh start and be excited about your future again.

Discover the debt-free plan that works for you. 👉️ Get started today with a free, confidential consultation: www.sands-trustee.com


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