{"id":8763,"date":"2019-08-07T07:18:21","date_gmt":"2019-08-07T14:18:21","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=8763"},"modified":"2025-10-31T15:01:25","modified_gmt":"2025-10-31T22:01:25","slug":"4-often-overlooked-warning-signs-of-debt-problem","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/4-often-overlooked-warning-signs-of-debt-problem\/","title":{"rendered":"Signs of a Debt Problem You Shouldn\u2019t Ignore"},"content":{"rendered":"\n<p>Warning signs of debt problems may be more subtle than you\u2019d expect, and as consumers across Canada cope with more financial obstacles than ever before, it can sometimes be difficult to pinpoint when personal debt doesn\u2019t just mean payments you make, but becomes a real problem.<\/p>\n\n\n\n<p>Read on to better understand how to evaluate your situation, from often overlooked warning signs to common triggers that prompt people to seek debt help and the red flag you should never ignore \u2013 and what to do if you think you have a debt problem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-warning-signs-of-a-debt-problem-people-miss-nbsp\"><strong>4 Warning Signs of a Debt Problem People Miss<\/strong><strong>&nbsp;<\/strong><\/h2>\n\n\n\n<p>These four common signs of a looming debt problem are recognizable but often overlooked or downplayed. If you relate to any of these challenges it may be time to take a closer look at your situation and seek debt advice from a Licensed Insolvency Trustee.<\/p>\n\n\n\n    <div class=\"google-reviews-block-wrapper turquoise\">\n        <div class=\"wprevpro-shortcode-wrapper\"><div><style>#wprev-slider-4 .wprevpro_star_imgs{color: #FDD314;}#wprev-slider-4 .wprsp-star{color: #FDD314;}#wprev-slider-4 .wprevpro_star_imgs span.svgicons {background: #FDD314;}#wprev-slider-4 .wprev_preview_bradius_T5 {border-radius: 0px;}#wprev-slider-4 .wprev_preview_bg1_T5 {border-bottom:3px solid }#wprev-slider-4 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#21759b;}#wprev-slider-4 .wprevpro_star_imgs span.svgicons {width: 18px; height: 18px;}#wprev-slider-4 .wprevsiteicon {height: 32px;}#wprev-slider-4 .slickwprev-next:before, #wprev-slider-4 .slickwprev-prev:before {color: rgb(10,10,10);}<\/style><style>#wprev-slider-4 .wprev_preview_bg1_T5{ background: none !important; border: none; } .wprevpro_star_imgs_T5{ display: block; margin-bottom: 8px; } .wprev_preview_tcolor2_T5{ display: block; margin-top: 8px; } .wprev_media_div{ display: none; }<\/style><style>#wprev-slider-4 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp: 5;-webkit-box-orient: vertical;overflow:hidden;hyphens: auto;word-break: auto-phrase;}<\/style><\/div><style>.wprev-google-wr-a {background: #0a6cff !important; color: !important}.wprev-google-wr-a:hover {background: #0a6cffde !important;}.wprev-google-place {background:  !important;border-radius:0px !important;}.wprev-google-place {box-shadow: rgba(0, 0, 0, .00) 0px 0px 0px 0px !important; border: 0px solid #f5f5f5 !important;}.wprev-google-place {flex-direction: column !important;align-items: center !important;}.wprev-google-right {display: flex!important;align-items: center!important;flex-direction: column!important;}.wprev-google-name{margin-bottom: 3px !important;}img.sprev-google-left-src {min-width: 50px !important;min-height: 50px !important;}<\/style><div class=\"wprev_outer_wb\"><div class=\"wprev_badge_div badgeleft\"><div class=\"wprev-google-place\"><div class=\"wprev-google-left badgehideclass\"><img loading=\"lazy\" decoding=\"async\" class=\"sprev-google-left-src\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google-my-business-icon-300x300.png\" alt=\"\" width=\"50\" height=\"50\" title=\"\"><\/div><div class=\"wprev-google-right\"><div class=\"wprev-google-name \"><a href=\"https:\/\/www.google.com\/search?q=Sands+%26+Associates+-+Consumer+Proposals%2C+Debt+Help+%26+Licensed+Insolvency+Trustees+328+Wale+Rd+%23132%2C+Colwood%2C+BC+V9B+0J8%2C+Canada&#038;sort=newestFirst&#038;hl=en&#038;gl=US&#038;gws_rd=cr&#038;ie=UTF-8&#038;oe=UTF-8&#038;uule=w+CAIQIFISCQs2MuSEtepUEUK33kOSuTsc\" target=\"_blank\" rel=\"nofollow noopener\"><span class=\"wprev-businessname\"><\/span><\/a><\/div><div class=\"wprevstardiv\"><span class=\"wprev-google-rating\">4.9<\/span><span class=\"wprevpro_star_imgs_T1\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div><div class=\"wprev-google-basedon \">Based on <span class=\"wprev_btot\">3285<\/span> reviews<\/div><div class=\"wprev-google-powered \"><img loading=\"lazy\" decoding=\"async\" class=\"wprev-google-powered-img\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/poweredbygooglew.png\" alt=\"powered by \" width=\"82\" height=\"18\" title=\"powered by \"><img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_badge_site_logo wprevsiteicon \"><\/div><div class=\"wprev-google-wr badgehideclass\"><a class=\"wprev-google-wr-a\" href=\"https:\/\/www.google.com\/search?q=Sands+%26+Associates+-+Consumer+Proposals%2C+Debt+Help+%26+Licensed+Insolvency+Trustees+328+Wale+Rd+%23132%2C+Colwood%2C+BC+V9B+0J8%2C+Canada&#038;sort=newestFirst&#038;hl=en&#038;gl=US&#038;gws_rd=cr&#038;ie=UTF-8&#038;oe=UTF-8&#038;uule=w+CAIQIFISCQs2MuSEtepUEUK33kOSuTsc\" target=\"_blank\"><div class=\"wprevpro_bbnrevus_btn\">Review Us<\/div><\/a><\/div><\/div><\/div><\/div><div class=\"wprev_badge_div badgereviewscontainer\"><div class=\"wprevpro wprev-slick-slider revnotsameheight\" id=\"wprev-slider-4\"><div id=\"wprevgoslickid_4\"  style=\"display:none;\" class=\"wprevgoslick w3_wprs-row\" data-avatartemplate=\"0\" data-totalreviewsnum=\"10\" data-revsperrow=\"1\" data-wprevmasonry=\"no\" data-loadmore=\"no\" data-avatarnav=\"no\" data-revsameheight=\"no\" data-slickwprev='{\"slidesToShow\": 1,\"slidesToScroll\": 1,\"dots\": false,\"arrows\": true,\"infinite\": false,\"speed\": 750,\"adaptiveHeight\": false,\"centerMode\": false,\"fade\":false,\"centerPadding\": \"60px\", \"rows\":1}'><div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jayvee Lester De Castro<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2748'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI highly recommend Sands and Associates especially Jennifer Thom. If you have problem with you debt. She will give you the best options and support throughout the process.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jayvee Lester De Castro &#8211;&nbsp;1 day ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jarrod Barratt<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2743'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI&#8217;ve been having financial hardship for quite some time now and I am pleased I reached out to Sands &#038; Associates recently.  They were very quick to get started on helping me with relief and I never once felt judged in the process.  Omer and Jennifer were very polite and informative in the process and I thank you very much for your help and support.  I would recommend Sands &#038; Associates to anybody looking for some flexibility in their financial struggles.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jarrod Barratt &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; All the good things<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2744'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI found Jennifer Thom to be very helpful and friendly going over my options to get my debt dealt with. I felt welcomed without judgment and she made my stress and anxiety lessen which was huge for me. Thank you for your help and I look forward to a new future where I can be in control and not worried about how I&#8217;m going to survive debt. All the best. Will recommend.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; All the good things &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Saba N.<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2739'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tSandra was amazing from start to finish with my consumer proposal. From answering questions and getting back to me in a timely manner when I knew she was very busy, the process was quick and painless. Paying this off will be great and then I can build up my credit again! Thanks again, Sandra \u2665\ufe0f\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Saba N. &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Ali D<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2747'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI went to Sands &#038; Associates because I was overwhelmed with my debt and had no idea what to do. Camille helped me set up my consumer proposal, and honestly, she made the whole process so much easier than I expected.<br>\n<br>\nShe explained everything clearly \u2014 what a consumer proposal is, how it works, what my monthly payment would look like, and what debts would be included. She never made me feel embarrassed or judged, just supported.<br>\n<br>\nBecause of her, I finally feel like I have control over my finances again. She walked me through every step, answered all my questions, and made sure I fully understood what I was signing up for. I\u2019m so relieved and grateful.<br>\n<br>\nIf you\u2019re thinking about a consumer proposal or just don\u2019t know where to start with your debt, talk to Camille. She\u2019s patient, caring, and really knows what she\u2019s doing. Highly recommend! \ud83d\ude4c\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Ali D &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Shubham Batra<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2740'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI had an exceptional experience with Sands &#038; Associates during one of the most stressful periods of my life. I was overwhelmed, anxious, and unsure of where to turn, but the team treated me with genuine care and understanding from the very first moment.<br>\n<br>\nHelen was absolutely amazing, patient, compassionate, and incredibly knowledgeable. She made everything easy to understand and helped me feel supported at every step. Hashan was also extremely helpful and kind, always quick to respond and guiding me with professionalism and empathy.<br>\n<br>\nThanks to both of them, I finally felt relief and clarity during a really difficult time. I\u2019m truly grateful for their support and highly recommend Sands &#038; Associates to anyone who needs trustworthy help and real compassion.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Shubham Batra &#8211;&nbsp;2 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Emilee Stonehouse<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2742'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI am very happy I got to work with Sand &#038; Associates. It has been making life so much easy dealing with the debt I had. Plus working with Dana, and everyone there has been a delight to move things forward and easier. Thank you Sands &#038; Associates!\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Emilee Stonehouse &#8211;&nbsp;3 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; ga wa<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2746'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tGreat and quick communication<br>\nSelina helped me with my case.<br>\nWas so stressed, quick responses from her helped me calm down.<br>\nThank you so much Selina<br>\nYou are awesome\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; ga wa &#8211;&nbsp;4 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Jenna Sullivan<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2734'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tWorking with Carolyn was an absolute relief. From our very first conversation, she made what could have been a stressful situation feel manageable and even hopeful. She explained everything clearly, answered all my questions with patience and understanding, and made sure I felt supported every step of the way. Her professionalism and compassion made a huge difference, and I\u2019m incredibly grateful for her help. I would highly recommend Carolyn and Sands &#038; Associates to anyone who needs guidance and wants to feel truly cared for through the process.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Jenna Sullivan &#8211;&nbsp;4 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t5_DIV_1 w3_wprs-col l12 outerrevdiv\">\r\n<div class=\"wpproslider_t5_DIV_1a\">\r\n\t<div class=\"wpproslider_t5_DIV_2 wprev_preview_bg1_T5 wprev_preview_bradius_T5\">\r\n\t<div class=\"wpproslider_t5_DIV_3L\" style='display:none;'><span class=\"wpproslider_t5_STRONG_5 wprev_preview_tcolor2_T5\"> &#8211; Deep Brar<\/span><\/div>\r\n\t<div class=\"indrevdiv wpproslider_t5_DIV_3\">\r\n\t\t<div class=\"indrevtxt wpproslider_t5_P_4 wprev_preview_tcolor1_T5\">\r\n\t\t\t<div class='readmoretextdiv indrevlineclamp' data-lines='5' data-revid='2741'><span class=\"wprevpro_star_imgs_T5\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><span class=\"verifiedloc1 wprevpro_verified_svg wprevtooltip\" data-wprevtooltip=\"Verified on Google\"><span class=\"svgicons svg-wprsp-verified \"><\/span><\/span><\/span>\r\n\t\t\tI can\u2019t thank Sands &#038; Associates enough, especially Jagdip Dial, for helping me through one of the most stressful times in my life. I was buried under debt and didn\u2019t know where to turn, but Jagdip treated me with genuine kindness and respect from day one.<br>\n<br>\nHe walked me through every detail of the consumer proposal process, explained everything clearly, and never once made me feel judged. Because of his patience and guidance, I finally feel like I can breathe again and start rebuilding my life with confidence.<br>\n<br>\nIf you\u2019re struggling with debt and feeling hopeless, please reach out to Jagdip and the team \u2014 they truly care, and they\u2019ll help you find a way forward.\t\t<span class=\"wpproslider_t5_SPAN_6 wprev_preview_tcolor2_T5\"><span class=\"wprev_showdate_T5\"> &#8211; Deep Brar &#8211;&nbsp;4 days ago&nbsp;<\/span><\/span><\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\r\n\t<div class=\"wpproslider_t5_DIV_3_logo\"><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<\/div><\/div><\/div><\/div><\/div>    <\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-warning-sign-being-caught-in-a-borrow-repay-borrow-cycle\"><strong>Debt Warning Sign: Being Caught in a Borrow-Repay-Borrow Cycle<\/strong><\/h3>\n\n\n\n<p>If you\u2019re habitually using credit to make up the balance between your household expenses and income you\u2019ve already begun to experience a debt problem, and it\u2019s likely to escalate. Are any of these habits you recognize?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Constantly relying on credit to cover the difference between costs of living and your income, or leaning on credit cards or overdrafts between paydays \u2013 or for unexpected expenses.\n<ul class=\"wp-block-list\">\n<li>Take a close look at what\u2019s taking up so much of your budget \u2013 debt payments might be costing you more than you can afford.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Shuffling money from one credit card or line of credit to make payments on another.\n<ul class=\"wp-block-list\">\n<li>Simply keeping your accounts from delinquency doesn\u2019t mean real progress is being made.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>You\u2019re borrowing from family or friends, or taking payday or other \u2018fast cash\u2019 type of loans.\n<ul class=\"wp-block-list\">\n<li>Using\u00a0<a href=\"https:\/\/www.sands-trustee.com\/blog\/risky-and-riskier-understanding-payday-and-brokered-cash-loans\/\">payday loans<\/a> often starts a borrowing cycle that is very expensive, and tough to break.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Considering a debt consolidation loan.\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sands-trustee.com\/blog\/looking-for-debt-consolidation-loan-learn-why-borrowing-isnt-always-best-for-consolidating-debt\/\">Consolidation loans through a lender<\/a> can be a helpful way to get a handle on debt, but they are often difficult to qualify for and, if the underlying issues aren\u2019t addressed, many people quickly find themselves carrying too much debt again.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/whats-the-difference-between-good-debt-bad-debt\/\">What\u2019s the Difference Between Good Debt and Bad Debt? Learn More<\/a><\/p>\n\n\n\n<p>Many people trapped in a borrow-repay-borrow cycle eventually find that keeping up with their debt payments and regular bills is unmanageable, or that an unforeseen event or emergency pushes them into a crisis cash-crunch.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is your cashflow stretched so thin with debt payments that you can\u2019t afford savings or an emergency fund? Many people are just a small upset in income or unplanned expense away from a significant financial problem. Relationship breakdown, personal illness or injury, or reduced employment are just a few common problems that can have serious financial impacts.<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re making payments on your debt&nbsp;<em>and<\/em>&nbsp;experience any of the previously described signs, this is a strong indicator it\u2019s time to seek professional support to deal with your debt and break the debt cycle.<\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-warning-sign-avoiding-your-finances-or-account-balances-nbsp\"><strong>Debt Warning Sign: Avoiding Your Finances or Account Balances<\/strong><strong style=\"font-size: 1rem;\">&nbsp;<\/strong><\/h3>\n\n\n\n<p>Whether you\u2019re uncertain about what to do or feeling too overwhelmed to put together a plan, procrastinating on facing financial commitments means there is a problem. Does any of this sound familiar?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Having unopened bills or creditor correspondence.\n<ul class=\"wp-block-list\">\n<li>Guessing on balances or ignoring creditors leaves you exposed to \u2018surprise\u2019 legal actions or ramped up collection activity. It\u2019s always best to remain aware of your account balances and activity, even if you can\u2019t pay the debt.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Putting off tax returns or other Canada Revenue Agency filings because you know you owe money.\n<ul class=\"wp-block-list\">\n<li>Not filing a tax return won\u2019t help avoid a balance owing and debts with Canada Revenue Agency accrue interest and penalties daily. The longer you wait to file the bigger the balance can be, and <a href=\"https:\/\/www.sands-trustee.com\/blog\/understanding-wage-garnishment-can-creditors-take-my-income-if-i-cant-pay-my-debt\/\">Canada Revenue Agency often employs extreme measures to prompt people to file overdue returns<\/a> which can include wage and asset seizures with little prior notice.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Not sharing your financial situation with your spouse or partner.\n<ul class=\"wp-block-list\">\n<li>It can be difficult to talk about money problems you may be having, whether as a couple or on your own. It\u2019s often better to have open communication than continue to try to hide what\u2019s happening.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Screening phone calls and text messages to avoid creditors.\n<ul class=\"wp-block-list\">\n<li>Being worried about answering your phone is incredibly stressful \u2013 <a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">talk with a Licensed Insolvency Trustee<\/a> as soon as possible so you can get solutions and renewed peace of mind.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>It can be tough to admit debt has gotten out of hand but it\u2019s always best to assess your situation truthfully and confront the challenge \u2013 without doing that the problem is virtually never going to go away. Avoid the temptation of avoiding the problem; facing it head on with the support of a Licensed Insolvency Trustee may be easier than you think.<\/p>\n\n\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<p>We understand many people feel embarrassed or ashamed they haven\u2019t been able to manage their debts and money matters the way they wanted to. No matter what, you are entitled to live with dignity and without the overwhelming stress of debt.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/9-things-sands-associates-licensed-insolvency-trustees-want-you-to-know-about-dealing-with-a-debt-problem\/\">9 Things Licensed Insolvency Trustees Want You to Know About Dealing with a Debt Problem<\/a><\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-warning-sign-paying-only-minimum-monthly-payments-nbsp\"><strong>Debt Warning Sign: Paying Only Minimum Monthly Payments<\/strong><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<p>Keeping your account paid up to date is of course good; but if you\u2019re making only (or slightly more than) the minimum monthly payments on your debt, this is one of the top signs of a debt problem. Making payments in this way isn\u2019t enough to make real progress in having your debt paid off, rather, it keeps you in debt long-term.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2018Minimum payment traps\u2019 can cost you thousands in interest charges and, eventually, added interest can push you over account limits.<\/li>\n\n\n\n<li>Even a modest credit card balance can take decades to clear if only minimum payments are made \u2013 a $5,000 debt today could mean 18 years of payments with only minimum monthly payments being paid.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/expert-tips-to-pay-down-credit-card-debt-faster\/\">Consider these Tips to Pay Off Credit Cards Faster<\/a><em>&nbsp;<\/em><\/p>\n\n\n\n<p>When you make only the minimum monthly payment you\u2019re servicing the interest, keeping your account current and probably maintaining your credit score \u2013 but you\u2019re not actually paying off the principal. Eventually those minimum payments can even become more than you can afford thanks to the accumulating interest. Consider the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How long will it take you to pay off your debt at the current payment rate?\n<ul class=\"wp-block-list\">\n<li>Check your credit card statements to easily find this information \u2013 by Canadian law the credit card company is required to tell you exactly how long it will take to clear the debt if only minimum payments are made.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Can you afford to make a higher payment?\n<ul class=\"wp-block-list\">\n<li>Look at your budget to get a better sense of just how much money your debt payments are currently using, and assess whether you could afford more without stretching yourself too thin.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n    <div class=\"compare-your-debt-options-block-wrapper \">\n        <div class=\"compare-your-debt-options\">\n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sands-trustee.com\/wp-content\/themes\/sands-trustee\/images\/home\/compare-debt-options.png\" width=\"95\" height=\"57\" alt=\"Compare Your Debt Options\"\/>\n    <h2>Compare Your Debt Options<\/h2>\n    <div class=\"text\">\n        <p>Enter your total amount of debt (excluding mortgage and car loan) and we&#8217;ll show you a list of options.<br\/><\/p>\n        <form name=\"home_calc\" action=\"\/free-debt-consultation\/debt-options-calculator\/#highcharts-0\" method=\"post\">\n            <input type=\"number\" name=\"amount\" id=\"calc-input\" placeholder=\"Amount of Debt\" required\/><br \/>\n            <input class=\"form_submit\" type=\"submit\" onclick=\"ga(ga.getAll()[0].get('name') + '.send', 'event', 'Assessment Tool', 'Calculate', 'Home');\" value=\"Calculate Debt Options Now\">\n        <\/form>\n    <\/div>\n<\/div>    <\/div>\n\n\n\n\n            <div class=\"background-block-wrapper grey\">\n            <div class=\"container\">\n                <div class=\"cols gap\">\n                                        <div class=\"col col-75\">\n    \n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-your-rule-of-60-math-add-up\"><strong>Does Your \u2018Rule of 60\u2019 Math Add Up?<\/strong><\/h3>\n\n\n\n<p>Carrying debt long-term is expensive and takes money away from your future self. The \u2018Rule of 60\u2019 math is an easy way to \u2018test\u2019 your debt-free plan: Divide your total (non-mortgage) debts by 60 \u2013 does the number come out to a monthly payment you could afford for the next 60 months?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the outcome from your \u2018Rule of 60\u2019 calculation doesn\u2019t look affordable, or you\u2019re doubtful you could consistently pay it to get your debts paid off in 60 months (that\u2019s five years), you\u2019ve got another reason to talk with a Licensed Insolvency Trustee about resources to pay off debt.<\/li>\n<\/ul>\n\n\n\n<p>For example, if you can afford to repay a portion of your debt, <a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/\">consolidating with a Consumer Proposal<\/a>&nbsp;can be more efficient \u2013 and affordable.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.sands-trustee.com\/blog\/much-debt-will-consumer-proposal-eliminate\/\">How Much Debt will a Consumer Proposal Eliminate? Learn More<\/a><\/p>\n\n\n\n            <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n    \n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-number-one-debt-warning-sign-being-debt-stressed-nbsp\"><strong>Number One Debt Warning Sign: Being Debt-Stressed<\/strong><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<p>There can be calculable signs that debt is becoming a problem, but in the experience of many Licensed Insolvency Trustees, and as supported by&nbsp;<a href=\"https:\/\/www.sands-trustee.com\/how-we-help\/debt-study\/\">multiple survey findings<\/a>&nbsp;\u2013 the number one warning sign of a debt problem for people is <em>overwhelming debt-stress<\/em>.<\/p>\n\n\n\n<p>Debt-stress can impact personal well-being, relationships, family and even work. If any of these debt-stress symptoms sound familiar to you, please know that you are not alone \u2013 and there are solutions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Constantly worrying or thinking about your debt.<\/li>\n\n\n\n<li>Being scared or anxious about your financial circumstances and unsure what to do about it.<\/li>\n\n\n\n<li>Feeling like your debt situation is out of control, helpless, or hopeless.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Connect with a local Licensed Insolvency Trustee right away to get support<\/a>. We are Canada\u2019s appointed debt help professionals who can offer you qualified advice about your situation and help you put together a plan of action to deal with your debt and get a financial fresh start. In less than an hour you can have a solution \u2013 and relief.<strong>&nbsp;<\/strong><\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-a-debt-problem-start\"><strong>How Does a Debt Problem Start?<\/strong><\/h2>\n\n\n\n<p>If you are facing a debt problem, please understand there are many events and circumstances out of our control that cause financial strain and can quickly turn into a more serious issue. A debt problem can happen to anyone, at any time. We often work with people who need help resolving debt problems that have been triggered by unanticipated events such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A reduction in household income due to job impacts (the COVID-19 pandemic for example).<\/li>\n\n\n\n<li>Health problems in the household that cause extra costs or a loss of employment hours.<\/li>\n\n\n\n<li>Establishing a household and\/or maintaining one on a single income after a relationship breakdown.<\/li>\n<\/ul>\n\n\n\n<p>Despite best laid plans and intentions, unanticipated financial challenges do happen! Many people turn to credit to temporarily bridge the gap between income and expenses, and catching up is often much more difficult than expected.<\/p>\n\n\n\n<p>Talk with a non-judgmental debt help professional at Sands &amp; Associates to learn more about all of your debt options, and how you can get a financial fresh start.<strong>\u00a0<\/strong><\/p>\n\n\n\n<div class=\"sands-quote-wrapper\" >\n    <div class=\"sands-quote-block\">\n        <div class=\"quote\">\n            From the first phone call I made to Sands &#038; Associates, I immediately felt there was hope.        <\/div>\n                <div class=\"name-date\">\n            Tammy                    <\/div>\n            <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-where-to-turn-for-help-with-debt-a-licensed-insolvency-trustee\"><strong>Where to Turn for Help with Debt? A Licensed Insolvency Trustee<\/strong><\/h3>\n\n\n\n<p>In Canada Licensed Insolvency Trustees are the only professionals endorsed, qualified, and fully empowered by governments to help consumers with debt. We can work with you to assess your situation and evaluate&nbsp;<em>all<\/em>&nbsp;of your options so you can make a fully informed decision about how to move forward and take back control of your finances.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is no cost to connect with a Licensed Insolvency Trustee and no referral is needed.<\/li>\n<\/ul>\n\n\n\n<p>Sands &amp; Associates President and Licensed Insolvency Trustee Blair Mantin joined CTV News to share information about ways consumers can get support in managing their debt, and warning signs of a debt problem. Watch the clip here:<\/p>\n\n\n\n<p><div class=\"responsive-iframe\"><iframe loading=\"lazy\" allow=\"encrypted-media\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/z85gLJ4OZfw\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div><\/p>\n\n\n\n<p><strong>You are not alone in solving a debt problem \u2013 Sands &amp; Associates\u2019 BC Licensed Insolvency Trustees are here for you. Book a free, confidential consultation with a non-judgmental debt expert.<\/strong><\/p>\n\n\n\n<div class=\"cta-with-bg-image-content  white center no-bg-img\"   style=\" \">\n    <div class=\"gradient gradient-teal\" >\n        <div class=\"content\">\n            <h2>\n                <span>GET A FINANCIAL<\/span>\n                FRESH START            <\/h2>\n            <p>Book your free consultation with one of our experts and start living a debt-free life.<\/p>\n            <a href=\"\/free-debt-consultation\/\" class=\"red-btn\">\n                BOOK YOUR FREE CONSULTATION            <\/a>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Warning signs of debt problems may be more subtle than you\u2019d expect, and as consumers across Canada cope with more financial obstacles than ever before, it can sometimes be difficult to pinpoint when personal debt doesn\u2019t just mean payments you make, but becomes a real problem. Read on to better understand how to evaluate your [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":11538,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[263,260],"tags":[38,39,74,37,117,120,50,242,43,329,330,70,204,35],"class_list":["post-8763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-debt-advice","category-in-the-media","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-bc-debt","tag-consumer-proposals","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-advice","tag-debt-consolidation","tag-debt-problem","tag-debt-warning-signs","tag-financial-stress","tag-licensed-insolvency-trustee","tag-sands-associates"],"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>Debt Problem Warning Signs You Might be Missing | Sands &amp; Assc.<\/title>\n<meta name=\"description\" content=\"Signs of debt problems may be more subtle than you think. 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