Let me tell you, when you are one hair from bankruptcy, and the 7 years of slow recovery that…read moreresult -- When I found the BC Credit Counselling Society, let's just say I was hoping for the best but not expecting much. I was on EI, my income was low and I was looking for work. Well I was pleasantly surprised with the interview process - since I still had enough to set aside a definite payment each month, they accepted my application and off I went. Now I had close to 8500 in debts which is a fair amount to an unemployed person who can barely pay bills - so to have a company step up and meet with them and get them off my back was HUGE ! Fast forward 2.5 years later - and I am down to my last 2300 in debt.... It is really cool that I can make extra payments if I have extra coin ! I am likely going to be out on debt within a year - and that's over a year AHEAD of the initial estimate !! Best part of that is that because the Credit Council did it as a debt repayment arrangement, UNLIKE bankruptcy, it will be much better on my Credit Rating and as proof when I applied for new cell and cable service in Vancouver, my rating has already improved such that I got new accounts WITHOUT a limit or deposit !' Thank You !!!!

Exceptionally thorough and knowledgeable Credit Counsellors. I got a lot more advice than I'd hoped…read morefor, and the best thing about it was that the counsellor was able to find the gaps in my knowledge that I myself was not aware of. And yes, they are completely free.

I would highly recommend Sands and Associates to anybody struggling with debt or having Financial…read moreissues. My experience with Sands & Associates has been a very positive one. The staff are all very friendly and outgoing and willing to help. My trustee Raj Hara was amazing and so helpful. He gave me some very helpful Financial advice, answered all my questions and supported me through everthing. He made me feel like I wasn't the only one dealing with financial issues and offered me a lot of support. It made the experience all that much better and easier to get through. It has relieved an immense amount of stress in my life. It is changed things for the better for me. Thank you to everyone at Sands & Associates New Westminster branch.

If a credit bureau pull is what you dread, and you are sick of bill collectors incessant calls and…read moreletters, call Peter. He offers knowledgeable, friendly and honest advice on where to start the credit repair process, what to avoid, and how to look at the initial cause so it doesn't happen again! I often refer my clients to Peter as I believe that knowledge is power, and if you are serious about gaining control of your financial life, he is an excellent place to start!

Peter and his team provided empathy throughout the whole process. I happily refer Peter and his…read moreteam when your financial situation needs help in regards to debt management. I should have called them sooner!

A very understanding, and helpful group of kind professionals. If you are considering bankruptcy,…read more I would urge you to consider Bromwich & Smith.

Bromwich & Smith has helped me , in many ways , I've made poor decisions when I was younger and…read morefelt there was no way out , trouble sleeping at night , creditors calling all hours of the day/night , finally was exhausted and needed help , so I googled and came across Bromwich & Smith , they reached out right away and helped me with the best decision I could make , walked me through every step of the way! I highly recommend, there's is no shame in asking for help and reaching out to start over again ! Thank you so much Bromwich & Smith

4 Pillars and Sue provided me with excellent support and guidance through one of the biggest…read morefinancial decisions I have made. At first I was very intimidated with the process and had a tremendous amount of shame associated with my financial situation. Through the process I traded my shame for freedom and have turned the page to a bright future. What 4 Pillars offers might not be for everyone and for those who it fits know that you will be treated with sincerity and professionalism.

As a financial advisor I occasionally have the need for a debt relief expert. In 10 years, Sue…read moreGrubac stands out as the best at helping these clients get back on their feet. Most of these folks are hardworking, responsible people who either suffered a health crisis, or job loss. Crushing debt can cause horrible stress and depression. Its so great to be able to send them to Sue so she can lift them out of this and they can get their lives back again. I highly recommend her to anyone suffering financially.

I was skeptical about companies that offered debt relief. But i looked into 4 Pillars and found out…read morethat they have been established within Canada for over 10 years. I was in a lot of debt trouble. Bills piled up from different credit cards with interest adding on. I made decent money, but i just couldn't keep up with all the payments. It was getting very close to the edge for me. My goal to pay off my debt and save up for a house seemed impossible. And then i finally decided to seek some help from 4 Pillars in Richmond, B.C. That's where i met Dale Chen. I actually saw an ad on Facebook that advertised 4 Pillars. I am very thankful that i sought his help. I called him, but he was unavailable, so i left a voice message. I was hesitant at this point, he called me back and i missed his call as well, and he called a few more times leaving voice messages. When things were in a tight jam, i decided to call him, and we set a day and time to meet and discuss my financial situation. Dale welcomed me into his office in a very friendly and professional manner. I had read reviews about him from others as well, and i was happy with what I saw. So when i went to him and we talked, i felt eased, even though i was in a tough situation. He showed me what he's about, and what he does, and why he does it. He is very passionate about his job. I did have to pay some fees up front and he was very nice about it and let me divide into multiple payments compared to companies that do it for free and charge hidden fees later on. The only stressful part i had to deal was with calling my credit card companies to stop any payments. But that in itself was a relief, as i did not have to make any payments to them, as i awaited the approval of my consumer proposal to the creditors. This is all legal according to the Canadian government which he told me as well. You can look it up as well. It's an accommodation to help people in this situation. After setting up my file, Dale did most of the work, I just had to gather documents, paychecks, etc and meet up with the creditor and Dale to submit the proposal. We both did our part. A month or so later, Dale told me that my proposal was accepted, and my debt was relieved by 80%! I was shocked, but so happy and relieved at the same time. I couldn't thank Dale enough. I couldn't have re-started my life without his help. Everybody makes mistakes, and I really needed to fix my life. Thanks to Dale again, that it is possible now. From managing multiples and multiples of bills, i just have to pay off one sum of debt which is down to under 20% of what i originally owed. When i was worried that the proposal was not going to be accepted, Dale gave me hope. He said he hasn't seen a proposal not accepted yet. My experience with Dale was professional, friendly, amazing, and he made you feel like a friend. He tried to do his best for me. He understood my situation. He talked to me about his family and his son. He even met my family and was nice to them and even my family trusted him. I trust him. Not only did Dale try to reduce my debt, but also helped me get back on track by building my savings with budgeting and a couple coaching classes. He wanted me to live a normal life again. By fixing the debt and the steps to build my foundation back after reducing the debt. I am thankful to all he has done. I cannot say how grateful I am to Dale. I did not know where to turn to when i was seeing plethora of bills/envelopes so often paying minimum payments including a Line of Credit. If you are in debt, and are having trouble making payments, i very highly recommend Dale Chen. He is a people person and not only a financial savior, but an emotional one as well. The feeling of living again is amazing. Thank you Dale!

From the owner: At 4 Pillars Consulting, we serve Richmond and Delta clients and specialize in debt restructuring,…read morebudgeting, credit rebuilding, and financial literacy.

Literally no help at all. Went to another trustee who did what's sands refused to. Unless your…read moresituation is super simple and they don't have to work very hard to take your money go to any other trustee.

After losing my job I was no longer able to pay my bills and ended up with a huge debt load. Ashley…read morewas very knowledgeable and patient. She answered all my questions and helped me deal with my financial situation. I am now in a proposal and make only one low monthly payment. The service I got was amazing. Ashley was so helpful and easy to get along with. She really made me feel as it was an easier process then I thought. Ashley provided me an excellent guidance during my Consumer Proposal journey. Collection calls stopped very soon after paperwork was signed, and payment options are extremely affordable. I highly recommend Ashley Gharlay and the good people at Sands & Associates for all your Financial grievances. If you need help, do not look anywhere else. Leave your financial problems in good hands.

Sands and Associates are so lovely…read more Dana was so kind and helpful to me, during the process and such a difficult time mentally and financially. It is such a weight off my chest to get help with my debt. I highly recommend using them and their services. They even did my 2021 taxes for me! For the first time in my life I am not burdened by financial difficulties, and even have money in savings accounts. Not only did Sands and Associates help me manage my debt, but have educated me on healthy spending and saving routines. 10/10 recommed!

they take you on as a client, you are given an amount to pay. but keeps increasing. with no reason…read more local lawyers have dealt with them, a little shady