Got Debt? Need Help? Get the Facts!

Our Vancouver Bankruptcy Trustees Can Help!

Call us at 604-864-5799

For a FREE CONSULTATION.

News Flash June 26, 2008 - BC Climate Action Dividend of $100.00 will not be taken by BC bankruptcy trustees. More...

The cost of a BC bankruptcy is set by the Government.
Sands & Associates has payment terms available.

You'll find our Abbotsford bankruptcy trustees knowledgeable, helpful and friendly. We'll start by scheduling a meeting with you to discuss the solutions best suited to your situation. This meeting is free, and it's confidential. We'll help you make the right decision so you can regain control of your life.

316 - 31935 South Fraser Way, Abbotsford, B.C. V2T 1V5

Voice: 604-864-5799

Toll Free: 310-0911

Fax: 604-864-5797

Driving Directions

KELLY CHOW, B.Sc., CIRP, Trustee

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Kelly Chow is a Trustee in Bankruptcy, a member of the Canadian Association of Insolvency & Restructuring Professionals ("CAIRP"), and has 25 years of experience in the consumer and commercial insolvency industry. Before joining Sands & Associates, he worked in three major accounting firms, and operated his own practice from 1998 to 2007. He has worked on a wide variety of commercial engagements, and has also developed an expertise in First Nations financial management. Kelly has supported our profession by serving on numerous CAIRP boards and committees, including two terms as a Director as well as a Director of the affiliated Alberta Association.

SUSAN NEWBURY, CIRP, Trustee

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Susan Newbury is a Trustee in Bankruptcy, located in our Abbotsford and Chilliwack offices. Susan has worked in the insolvency industry since 1980 and, for the past 10 years, has focused primarily on helping individuals deal with their financial difficulties, through proposals to creditors or bankruptcy. Susan is a member of the Canadian Association of Insolvency and Restructuring Professionals, a director of the BC Association of Insolvency & Restructuring Professionals, and an associate member of the Credit Grantors Association.

KAREN WRIGHT, Estate Manager

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Karen Wright is responsible for the administration of personal bankruptcies in our Surrey and Abbotsford offices. Karen has worked in the insolvency field since 1989. Prior to joining Sands & Associates, Karen had worked for two other major insolvency firms as an administrative assistant to the Trustee. Karen has successfully completed her course in the Canadian Association of Insolvency and Restructuring Professionals course on Insolvency Administration and is a Qualified Insolvency Counsellor.

We are available to assist you in identifying your options and forming a plan to get you a fresh financial start. Our Abbotsford bankruptcy trustees have many ways to assist people with their financial problems. These include:

Consumer proposals;
Budgeting;
Debt Counselling;
Third party settlements with creditors; and
Refinancing.

Important information for your protection from our Abbotsford bankruptcy trustees:

Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing bankruptcy trustees can help you with. Our Abbotsford bankruptcy trustees are highly trained professionals who will give you the best advice they can even if it means you do not use our services.

Our Abbotsford bankruptcy trustees are licensed and regulated by the Federal Government and subject to stringent codes of ethics. Bankruptcy trustees are the only debt professionals who can provide a full range of financial solutions.

Furthermore, bankruptcy trustees are the only debt professionals who can guarantee that you will get protection from your creditors.

Our experienced financial counsellors help people manage and resolve severe financial problems. We understand how stressful this situation can be and know how to help. Our goal is to guide people through a very difficult time and help them move towards a brighter, more financially secure future.

All our bankruptcy trustees are members of provincial and national professional associations. We honour and respect the Codes of Ethics of these associations and The Superintendent of Bankruptcy.

BC Climate Action Dividend of $100.00 will not be taken by BC bankruptcy trustees. The $100 dividends are payable to residents of British Columbia (as at December 31, 2007), with the first of the payments to be processed in June 2008. Trustees of bankrupts will receive these dividend cheques, the bulk of which will be issued by the Canada Revenue Agency.

Trustees must therefore provide the Climate Action Dividend to the bankrupt. Being unseizable, unexecutable and unassignable under any circumstances, only the bankrupt can cash these cheques, and is free to do with the proceeds whatever he/she wishes. If a bankrupt chooses to pay the monies into the estate, it must be with the knowledge that this is done strictly on a voluntary basis.

Got Debt? Need Help? Get the Facts!

Our Vancouver Bankruptcy Trustees Can Help!

Call us at 604-864-5799

For a FREE CONSULTATION.

Important information for your protection from our Abbotsford bankruptcy trustees:

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