Sands & Associates - Licensed Insolvency Trustees

Having to consult someone about your finances can be a stressful thing. However, David and everyone at Sands made it a very comfortable, even painless, process. I am so grateful for their guidance, time and infinite patience. They helped me reset and reboot for a brighter future. THANK YOU!!

These past couple years have been so hard trying to catch up with my finances after a nasty divorce. Early this spring I came across Sands & Associates regarding sorting out my debts. Being a divorced single mother, the pandemic has put a real weight on my current situation. I hit rock bottom and decided to get in touch. I can happily say that it was a weight lifted off my shoulders! I am very grateful for their guidance and support through this proces as Its very new to me. I am now starting to get back on track and I would like to thank Cindy Wallace and Marlene Byrne for their absolute support! I highly recommend their help if you're in a pickle. Take control. Don't let debt control you.

I made some irresponsible choices when I was in my early 20s and wracked up alot of debt and this company is helping me get back on my feet and are so kind and non judgmental about it. I was nervous but glad I made the choice to contact Sands and Associates because it's to benefit my future.

Debts! who doesn't have them? when debt piles up and your bills get away from being affordable and you are juggling (like I was) to pay everything. Then I save Sands and Associates a call. (this is not a paid ad honestly)I cannot say enough good things about Sands and Associates, they really put your mind at ease when it comes to paying back your creditors, they are professional, non judgmental and let you know all the options that are available to you for paying back your bills in an affordable way.

From the very first call, John Manson treated me like gold. He was understanding of my situation and assured me that he could help, which he did. Marlene was also easy to deal with and extremely helpful with suggestions on how to be more financially responsible after my proposal was accepted. If you are nervous about contacting Sands, dont be. They understand that sometimes life happens"

Julie M. has been a godsend!Super professional, courteous and makes you feel welcome the moment you walk in.I'm so grateful to have been able to use Sands to get back my life back on track!

Thank you sands and associates for helping me with my debt situation, my stress level dropped instantly after my first visit. Julie was very informative and never made me feel bad about my situation,if your juggling bills and other life challenges call sands they helped me they can help you.Thank you again Julie and sands for being there at that crucial time for me.

No one ever wants to go to someone for help when they are financially in trouble. I never thought I would have to but I was referred to Sands & Associates by a relative and I will admit it took me some time to call them, because I like alot of ppl thought it would be this scary horrible experience, couldnt be more from the truth.They are professional, friendly and help guide you and suggest what your options are. They treated me very good and it wasnt bad at all. They really helped me get deal and resolve my financial stress which I thank them so much for.If your paying high credit card fees and alot of interest that you feel like your drowning i really do highly recommend this company.Im so glad I called them. Laura and Marlene are amazing women

I was in big trouble money wise, I heard about Sands & Associates. They set me up with a 5 yr payment plan $ 220.00 a month & now I am Debt Free I have $ in the bank And I just bought a Motor Cycle. Thanks Sands your the Best

Life changing!I had years of CRA and credit card debt that with the high interest rates I was struggling every month to pay the minimums. It was a loosing battle with my income decreasing over the past year. I heard about consumer proposals and reached out to Sands & Associates. It was one of the best decisions I had ever made!Dana and Marlene were amazing and helped me through the process. They are non-judgemental and kind. A huge weight has been lifted and now every month I can breathe again.Thank you!!