If you're looking for expert financial restructuring, this is the firm to go to. They are organized, transparent, and take the stress out of the paperwork. Grateful for their help and highly recommend... See more
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Founded in 1990 and currently operating from a network of local offices throughout BC – Sands & Associates are multi-year Consumer Choice Award winners who provide individuals and small businesses with real solutions to debt. As Licensed Insolvency Trustees, we are the people who can legally shield you from your creditors when you need a plan to deal with your debts.
Local offices throughout BC, Canada
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Replied to 80% of negative reviews
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made me feel good about my financial future. Great people who helped me through this trying time.

Reply from Sands & Associates
Sands and Associates are a great team to work with. They are reliable and trustworthy.

Reply from Sands & Associates
I am so happy and relieved to feel free… after so many years spent paying off my debts. Thank you to the whole team for their support, which allowed me to rebuild my life after this whole process.

Reply from Sands & Associates
I was nervous and anxious but the process was smooth sailing and easy peasy lol thank you to sands and associates for helping me:) I highly recommend them :)

Reply from Sands & Associates
I had an excellent experience with Sands & Associates. From start to finish, they took care of everything for me while I pursued a consumer proposal. The entire team was professional, knowledgeable, and incredibly supportive throughout the process.
They made what initially felt overwhelming much easier to understand and handled every detail with care and efficiency. I truly appreciated their clear communication and how they always made themselves available to answer any questions I had.
I highly recommend Sands & Associates to anyone considering a consumer proposal or needing financial guidance. Their expertise and dedication made a stressful situation feel manageable, and I’m very grateful for their help.

Reply from Sands & Associates
They were respectful, helpful and kind. Good explanation of everything.

Reply from Sands & Associates
Very professonial. All details explained, kept up todate with timely communications.

Reply from Sands & Associates
⭐⭐⭐⭐⭐ Exceptional Support During a Difficult Time
I can’t thank Sands & Associates enough for helping me through one of the most stressful times in my life. From the very beginning, I felt supported and understood. A special thank you to Hannah, who was incredibly kind, patient, and professional throughout the entire process. She took the time to explain everything clearly and always made sure I felt comfortable and informed.
Because of her guidance, I finally feel a huge sense of relief and a fresh start. I truly appreciate the care and dedication shown to me. I highly recommend Sands & Associates to anyone needing help—they genuinely care about their clients.

Reply from Sands & Associates
I had a wonderful experience dealing with Dana and her team at Sands! Very kind and understanding and helped me work out a way to keep my vehicle which was so important to me. I'm very happy that my proposal was approved by my creditors and I know longer have the stress of never-ending phone calls. Thank you to Dana and her team. I would highly recommend Sands and Associates to anyone struggling with debt.

Reply from Sands & Associates

Reply from Sands & Associates
What made my experience great. Great isn't the word, AMAZING experience. What made it AMAZING, Angelica Heppner. I wasn't sure what to do, I was so stressed and upset with myself. Angelica saw that in me and was so kind, gentle with my thoughts. She talked to me like I was Human. Not just another down and out person. Really, she's the best person I needed to start my Beautiful life again. Angel sent.
Sands and Associates have such Professional, Compassionate Associates working for them. Very supportive. Knowledge to get the job done right. People who see you and hear you. Recommend them to anyone

Reply from Sands & Associates

Reply from Sands & Associates
Sandeep and crew worked hard.on the issues and did what was promised. Thats is all good.
But on the other hand doing the consumer proposal does come with problems. And Im trying to navigate ways to achieve these like getting to see my family on the island... major issue if your using all your fund to pay the fee, per month. How do you afford to buy a gift visa . To be able to book reservation for the trip over and back .. $300. Visa is planned for August trip.. 320 to purchase so $80. Per month.. then things like the war happens fuel goes from $50. Per month to $90. None of these are put in the as factors .
No savings.. put in my budget.. so the 80 comes from crunching the numbers and doing without .. its all frustrating..
Absolutely amazing associates!
When I felt hopeless with my situation Sandy assured me I’m not alone. I can’t say enough about this company except thank you for alleviating the amount of stress and anxiety I was having. I would recommend this company to anyone who is struggling financially.

Reply from Sands & Associates
David was amazing! He is informative, reassuring, knowledgeable, kind and above all, non judgmental. Couldn’t say enough good things about my experience with Sands!

Reply from Sands & Associates

Reply from Sands & Associates
Carolyn was amazing. She explained everything clearly from the first step to the last and was very professional and understanding throughout the entire process. This is a big step for someone to take, and it can come with a lot of shame, but not once did she make me feel less than. My experience was excellent.

Reply from Sands & Associates
I had a very positive experience with Sands & Associates for my consumer proposal. They contacted me promptly and handled my case with a high level of professionalism from start to finish. Everything was explained clearly, and the process moved forward smoothly without unnecessary delays.
Most importantly, they delivered exactly as promised, which gave me confidence and peace of mind during a stressful time. I would definitely recommend their services to anyone considering a consumer proposal.

Reply from Sands & Associates
Catherine Harris made the process as easy as possible. She was incredibly helpful and indulged many silly questions from me. I very much appreciate the work she’s done on my behalf and i can’t help but consider her to be a blessing in my life during a very difficult time

Reply from Sands & Associates
This company helped me out so much with my debt. Especially Omer who handled everything for me. It all went really well. He was very professional prompt in handling everything.

Reply from Sands & Associates
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