{"id":7251,"date":"2018-01-08T10:25:40","date_gmt":"2018-01-08T18:25:40","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?page_id=7251"},"modified":"2025-07-23T05:56:01","modified_gmt":"2025-07-23T12:56:01","slug":"debt-study","status":"publish","type":"page","link":"https:\/\/www.sands-trustee.com\/how-we-help\/debt-study\/","title":{"rendered":"Debt Study"},"content":{"rendered":"\n<p>On this page you will find information about BC Consumer Debt Studies conducted by Sands &amp; Associates, BC\u2019s largest firm of Licensed Insolvency Trustees. Thanks to the findings from our BC Consumer Debt Studies, we have gained important insight into how BC residents not only manage their debt, but also how debt impacts their daily lives.<\/p>\n\n\n\n<p>As award-winning leaders in debt management, we have helped thousands of individuals achieve a financial fresh start. Our clients represent all cultures, occupations, ages and income levels. We pride ourselves on understanding the unique financial situation of each of our clients, and strive to continue to deliver outstanding service and support.<\/p>\n\n\n\n<p>Each debt study provides an in-depth look at consumer debt levels and the reported causes of financial difficulties, with a special additional area of focus each year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-twelfth-annual-debt-study-conducted-by-sands-amp-associates-nbsp\"><strong>Twelfth Annual Debt Study conducted by Sands &amp; Associates<\/strong><strong>&nbsp;<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-300x300.jpeg\" alt=\"\" class=\"wp-image-12069\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-300x300.jpeg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-150x150.jpeg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-80x80.jpeg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-70x70.jpeg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-93x93.jpeg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-50x50.jpeg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-64x64.jpeg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-624x624.jpeg 624w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-400x400.jpeg 400w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1-600x600.jpeg 600w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/2024-BC-Consumer-Debt-Study-Now-Available-1.jpeg 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/SandsAssociates-2024-BC-Consumer-Debt-Study.pdf\">read the full report in PDF format<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2025\/01\/SandsAssociates-2024-BC-Consumer-Debt-Study-Infographic.pdf\">view the infographic<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/2024-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/p>\n\n\n\n<p>Sands &amp; Associates\u2019 2024 BC Consumer Debt Study focuses on exposing the causes of problem personal debt for British Columbians, as well as detailing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Effects of debt-stress on individuals<\/li>\n\n\n\n<li>The length of time people are waiting to seek debt help<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eleventh-annual-debt-study-conducted-by-sands-amp-associates\"><strong>Eleventh Annual Debt Study conducted by Sands &amp; Associates<\/strong><em>\u00a0<\/em><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-300x300.jpeg\" alt=\"\" class=\"wp-image-11474\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-300x300.jpeg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-150x150.jpeg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-80x80.jpeg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-70x70.jpeg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-93x93.jpeg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-50x50.jpeg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-64x64.jpeg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available-624x624.jpeg 624w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/Sands-Associates-2023-BC-Consumer-Debt-Study-Now-Available.jpeg 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/2023-BC-Consumer-Debt-Study-Report.pdf\">read the full report in PDF format<\/a>.<br>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2024\/01\/2023-BC-Consumer-Debt-Study-Report-Infographic.pdf\">view the infographic<\/a>.<br>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/2023-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/p>\n\n\n\n<p>Sands &amp; Associates\u2019 2023 BC Consumer Debt Study explores how costs of living in the province contribute to consumers\u2019 high-interest debt as well as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The impacts of financial problems on individuals<\/li>\n\n\n\n<li>Long-term shifts in consumer debt levels and debt solutions<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ten-th-annual-debt-study-conducted-by-sands-amp-associates-nbsp\"><strong>Ten<\/strong><strong>th Annual Debt Study conducted by Sands &amp; Associates<\/strong><em>&nbsp;<\/em><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415.jpg\" alt=\"\" class=\"wp-image-11069\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/Sands-Associates-BC-Consumer-Debt-Study-Now-Available-e1673880004415-64x64.jpg 64w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/SandsAssociates-2022-BC-Consumer-Debt-Study-Report.pdf\">read the full report in PDF format<\/a>.\u00a0<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2023\/01\/SandsAssociates-2022-BC-Consumer-Debt-Study-Infographic.pdf\">view the infographic<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/2022-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/em><\/p>\n\n\n\n<p>Sands &amp; Associates\u2019 2022 BC Consumer Debt Study highlights common causes of problem debt for individuals and circumstances surrounding consumer debt issues in the province, as well as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The wide effects problem debt had on people<\/li>\n\n\n\n<li>How the experience of resolving debt impacted financial attitudes and daily life<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ninth-annual-debt-study-conducted-by-sands-amp-associates\"><strong>Ninth Annual Debt Study conducted by Sands &amp; Associates<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2022\/01\/Sands-Associates-2021-BC-Consumer-Debt-Study-e1641834379357.jpg\" alt=\"\" class=\"wp-image-10012\" style=\"width:300px\"\/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2022\/01\/SandsAssociates-2021-BC-Consumer-Debt-Study-Report.pdf\">read the full report in PDF format.<\/a><\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2022\/01\/SandsAssociates-2021-BC-Consumer-Debt-Study-Infographic.pdf\">view the infographic.<\/a><\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/2021-bc-consumer-debt-study\/\">read the press release.<\/a><\/em><\/p>\n\n\n\n<p>Sands &amp; Associates\u2019 2021 BC Consumer Debt Study invites readers to better understand the experiences of consumers struggling with debt, and their journey through to debt-free. This year\u2019s study also highlights:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Impacts of debt-stress on wellbeing and mental health<\/li>\n\n\n\n<li>Trends in credit use and causes of problem debt<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eighth-annual-debt-study-conducted-nbsp-by-sands-amp-associates\"><strong>Eighth Annual Debt Study conducted&nbsp;by Sands &amp; Associates<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2021\/01\/2020-BC-Consumer-Debt-Study-300x300.jpg\" alt=\"Sands &amp; Associates BC Consumer Debt Study Released\" class=\"wp-image-10012\" style=\"width:300px\"\/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em><i>Click here to <\/i><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2021\/01\/SandsAssociates-2020-FullBCConsumerDebtStudyReport.pdf\"><i>read the full report in PDF format.<\/i><\/a><br><i>Click here to <\/i><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2021\/01\/SandsAssociates-2020-BCConsumerDebtStudy-Infographic.pdf\"><i>view the infographic.<\/i><\/a><br><em><i>Click here to <\/i><\/em><a href=\"https:\/\/www.sands-trustee.com\/blog\/2020-bc-consumer-debt-study\/\"><em><i>read the press release.<\/i><\/em><\/a><\/em><\/p>\n\n\n\n<p>2020&#8217;s BC Consumer Debt Study provides invaluable observations surrounding:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How the COVID-19 pandemic impacted consumer debt in 2020<\/li>\n\n\n\n<li>Causes and circumstances commonly faced during a personal financial crisis<\/li>\n\n\n\n<li>The effects of dealing with a debt problem and debt-stress<\/li>\n\n\n\n<li>Contrasting financial outlook and attitudes before and after receiving professional debt help<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-seventh-annual-debt-study-conducted-by-sands-amp-associates\">Seventh Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"621\" height=\"802\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/SandsAssociates_DebtStudy2020.png\" alt=\"2019 BC Consumer Debt Study\" class=\"wp-image-9381\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/SandsAssociates_DebtStudy2020.png 621w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/SandsAssociates_DebtStudy2020-232x300.png 232w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/SandsAssociates_DebtStudy2020-72x93.png 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/SandsAssociates_DebtStudy2020-39x50.png 39w\" sizes=\"auto, (max-width: 621px) 100vw, 621px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/Sands-Associates-2019BCConsumerDebtReport-Final.pdf\">read the full report in PDF format.<\/a><\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2020\/02\/Sands-Associates-2019BCConsumerDebtDebtStudy_Infographic_Final.pdf\">view the infographic.<\/a><\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/2019-bc-consumer-debt-study\/\">read the press release.<\/a><\/em><\/p>\n\n\n\n<p>Our 2019 BC Consumer Debt Study offers insight on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Types of debt, income, housing and credit ratings of respondents at the time they started their debt relief process<\/li>\n\n\n\n<li>Emotional and physical impacts of being in debt<\/li>\n\n\n\n<li>What caused respondents to delay seeking debt help<\/li>\n\n\n\n<li>Advice from consumers who made a Consumer Proposal or filed personal bankruptcy<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sixth-annual-debt-study-conducted-by-sands-amp-associates\">Sixth Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2019\/01\/DebtStudy_2018.jpg\" alt=\"\" class=\"wp-image-7258\" style=\"width:300px\"\/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>In our 2018 BC Consumer Debt Study, you\u2019ll learn more about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Top indicators of debt problems<\/li>\n\n\n\n<li>Four Real Life Debt Stories<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2019\/01\/Sands_2018_ConsumerDebtReport.pdf\">read the full report in PDF format<\/a>.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fifth-annual-debt-study-conducted-by-sands-amp-associates\">Fifth Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"231\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2017-231x300.jpg\" alt=\"\" class=\"wp-image-7258\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2017-231x300.jpg 231w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2017-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2017-39x50.jpg 39w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2017.jpg 500w\" sizes=\"auto, (max-width: 231px) 100vw, 231px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>In our 2017 BC Consumer Debt Study, you\u2019ll learn more about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The psychological impact debt had on consumers<\/li>\n\n\n\n<li>Physical impacts respondents suffered, because of being in debt<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2017\/05\/SA_17_ConsumerDebtReport_Spreads.pdf\">read the full report in PDF format<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2017\/05\/SA_17_ConsumerDebt_Infographic300-1.pdf\">view the infographic<\/a>.<\/em><br><em> Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-releases-fifth-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><br><strong>Click below to see media coverage:<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2017\/05\/Vancouver-Sun-May-2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg\" alt=\"\" class=\"wp-image-7451\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2017\/05\/CKNW-May-2017-Vancouverites-Are-More-More-Stressed-About-Debt.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-150x150.jpg\" alt=\"\" class=\"wp-image-7448\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-300x300.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-64x64.jpg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy.jpg 600w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.youtube.com\/watch?v=gFKEOX9hs2A&amp;feature=youtu.be\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"63\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news.jpg\" alt=\"\" class=\"wp-image-7422\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news.jpg 100w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news-79x50.jpg 79w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fourth-annual-debt-study-conducted-by-sands-amp-associates\">Fourth Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"232\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2016-232x300.jpg\" alt=\"\" class=\"wp-image-7255\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2016-232x300.jpg 232w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2016-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2016-39x50.jpg 39w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2016.jpg 500w\" sizes=\"auto, (max-width: 232px) 100vw, 232px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>In Sands &amp; Associates\u2019 2016 BC Consumer Debt Study provides insight into:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payday loan usage in BC<\/li>\n\n\n\n<li>Housing costs impacting in-debt consumers<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2016\/03\/SA_16_ConsumerDebtStudy_Final.pdf\">read the full report in PDF format<\/a>.<br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2016\/03\/SA_16_Infographic_ConsumerDebt_Web_R3.jpg\">view the infographic<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-releases-fourth-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/em><br><strong>Click below to see media coverage:<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg\" alt=\"\" class=\"wp-image-7451\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n<p><strong><br><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2016\/03\/VancouverSun-Mar-2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> <\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-third-annual-debt-study-conducted-by-sands-amp-associates\">Third Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"231\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2014-1-231x300.jpg\" alt=\"\" class=\"wp-image-7259\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2014-1-231x300.jpg 231w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2014-1-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2014-1-39x50.jpg 39w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2014-1.jpg 498w\" sizes=\"auto, (max-width: 231px) 100vw, 231px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>The 2014 BC Consumer Debt Study sheds light on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financial literacy among study respondents<\/li>\n\n\n\n<li>Levels of general consumer knowledge about debt restructuring options<\/li>\n\n\n\n<li>Fees paid by BC consumers for non-legislated debt consultations<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2015\/03\/SA_15_ConsumerDebtStudy_2014_FINAL.pdf\">read the full report in PDF format<\/a>.<br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2015\/03\/SA_Infographic_ConsumerDebt_Web.jpg\">view the infographic<\/a>.<\/em><\/em><br><em><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-releases-third-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/em><br><strong>Click below to see media coverage:<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2015\/03\/VancouverSun-Mar-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-150x150.jpg\" alt=\"\" class=\"wp-image-7449\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2015\/03\/News1130_LowerMainland-Mar-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-150x150.jpg\" alt=\"\" class=\"wp-image-7452\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-300x300.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-64x64.jpg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS-624x625.jpg 624w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/1310NEWS.jpg 626w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2015\/03\/KelownaNow-Mar-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"850\" height=\"360\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow.jpg\" alt=\"\" class=\"wp-image-7453\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow.jpg 850w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow-300x127.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow-768x325.jpg 768w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow-220x93.jpg 220w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow-118x50.jpg 118w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/KelownaNow-624x264.jpg 624w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/><\/a><\/figure><\/div>\n\n\n<p><em><br><em> <\/em><\/em><br><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-second-annual-debt-study-conducted-by-sands-amp-associates\">Second Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"232\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2013-232x300.jpg\" alt=\"\" class=\"wp-image-7256\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2013-232x300.jpg 232w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2013-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2013-39x50.jpg 39w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2013.jpg 500w\" sizes=\"auto, (max-width: 232px) 100vw, 232px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>2013\u2019s BC Consumer Debt Study gives readers more information about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Life events that respondents felt they had to put on hold because of debt-levels<\/li>\n\n\n\n<li>The correlation between supporting dependents and debt-levels<\/li>\n\n\n\n<li>How debt impacts BC consumers\u2019 ability to retire<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/01\/SA_ConsumerDebtStudy_2013.pdf\">read the full report in PDF format<\/a>.<br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/01\/SA_ConsumerDebt2013.jpg\">view the infographic<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-releases-second-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/em><br><strong>Click below to see media coverage:<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/01\/Sands-Global-News_Debt-Study_Youth-Jan15th20141.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"63\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news.jpg\" alt=\"\" class=\"wp-image-7422\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news.jpg 100w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/03\/global-news-79x50.jpg 79w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/01\/Sands-The-Prov-Debt-Story_Cover-Jan-15th.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/TheProvince-2-150x150.jpg\" alt=\"\" class=\"wp-image-7457\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/TheProvince-2-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/TheProvince-2-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/TheProvince-2-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/TheProvince-2-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/01\/Sands-VanSun-Jan-28_14.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg\" alt=\"\" class=\"wp-image-7451\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-first-annual-debt-study-conducted-by-sands-amp-associates\">First Annual Debt Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"231\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2012-231x300.jpg\" alt=\"\" class=\"wp-image-7257\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2012-231x300.jpg 231w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2012-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2012-39x50.jpg 39w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_2012.jpg 498w\" sizes=\"auto, (max-width: 231px) 100vw, 231px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>The first BC Consumer Debt Study undertaken by Sands &amp; Associates shares:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The financial outlook of consumers before and after filing a Personal Bankruptcy<\/li>\n\n\n\n<li>An indebted consumer&#8217;s perspective before and after filing a Consumer Proposal<\/li>\n\n\n\n<li>Ways study participants tried to get out of debt<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2012\/11\/SA_SandsSurvey_Report2.pdf\">read the full report in PDF format<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2012\/11\/SA_Infographic_SandsSurvey_v31.pdf\">view the infographic<\/a>.<\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-b-c-s-largest-firm-of-licensed-trustees-and-consumer-proposals-administrators-conducts-first-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bc-student-finances-study-conducted-by-sands-amp-associates\">BC Student Finances Study conducted by Sands &amp; Associates<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column main-img is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"231\" height=\"300\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_Student-231x300.jpg\" alt=\"\" class=\"wp-image-7286\" style=\"width:300px\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_Student.jpg 231w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_Student-72x93.jpg 72w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/01\/DebtStudy_Student-39x50.jpg 39w\" sizes=\"auto, (max-width: 231px) 100vw, 231px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<p>With student loan debt a major concern for many British Columbians, Sands &amp; Associates undertook the BC Student Finances Study to gain further insight into the graduate debt levels, financial habits and financial knowledge of the province\u2019s students. The results of Sands &amp; Associates\u2019 BC Student Finances Study reflect:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Student lifestyles and financial models<\/li>\n\n\n\n<li>Financial expectations of students, post-graduation<\/li>\n\n\n\n<li>Anticipated debt repayment for students<\/li>\n<\/ul>\n\n\n\n<p><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2013\/10\/Sands-Student-Survey-2013-final.pdf\">read the full report in PDF format<\/a>.<br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-conducts-first-b-c-student-finances-study\/\">read the pr<\/a><\/em><\/em><br><em>Click here to <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-b-c-s-largest-firm-of-licensed-trustees-and-consumer-proposals-administrators-conducts-first-annual-bc-consumer-debt-study\/\">read the press release<\/a>.<\/em><br><em><em><strong>Click below to see media coverage:<\/strong><\/em><\/em><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2013\/10\/morning_news_till_oct28_studentdebt.mp3\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-150x150.jpg\" alt=\"\" class=\"wp-image-7448\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-300x300.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy-64x64.jpg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/CKNW-copy.jpg 600w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2013\/10\/Sands-24hrs-Oct-28_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-150x150.jpg\" alt=\"\" class=\"wp-image-7456\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-300x300.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours-64x64.jpg 64w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/24Hours.jpg 400w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft\"><a href=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2013\/10\/Sands-Van-Sun-Oct-29_13.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg\" alt=\"\" class=\"wp-image-7451\" srcset=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-150x150.jpg 150w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2.jpg 300w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-80x80.jpg 80w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-70x70.jpg 70w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-93x93.jpg 93w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-50x50.jpg 50w, https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/04\/VancouverSun-2-64x64.jpg 64w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n<p><\/p>\n<\/div>\n<\/div>\n\n\n\n<p><em><em><strong>\u00a0<\/strong><\/em><\/em><\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On this page you will find information about BC Consumer Debt Studies conducted by Sands &amp; Associates, BC\u2019s largest firm of Licensed Insolvency Trustees. Thanks to the findings from our BC Consumer Debt Studies, we have gained important insight into how BC residents not only manage their debt, but also how debt impacts their daily [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":9075,"parent":15,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-7251","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BC Consumer Debt Study | Sands &amp; Associates Trustees<\/title>\n<meta name=\"description\" content=\"Annual BC Consumer Debt Studies provide an in-depth look at consumer debt, causes of debt, with unique area of focus each year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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