An overview of four key options for eliminating your debts. Learn about how a debt load of $20000 could be eliminated over a period of 36 months through the options of: i) paying the debt in full; ii) getting a consolidation loan; iii) seeing a credit counsellor; or iv) making a debt settlement proposal with Sands & Associates. Sands & Associates is BC’s largest firm focused exclusively on helping individuals solve their financial problems. We have 9 offices in the lower mainland: Vancouver, Burnaby, Surrey, Richmond, Tri-Cities (Port Coquitlam), Maple Ridge, Langley, Abbotsford, and Chilliwack. In many cases, a Debt Settlement Proposal is a better alternative to filing for personal bankruptcy – we will help you make an informed choice. Call 310-0911 toll free to schedule a free, confidential evaluation of your financial options