Tracey Lowe

There’s more to debt management options than personal bankruptcy assistance or debt consolidation loans – learn how Consumer Proposals work to consolidate and cut debt. Consumer Proposals are the number one alternative to personal bankruptcy in Canada and are available exclusively with the help of a Licensed Insolvency Trustee (sometimes known as a Bankruptcy Trustee). Sands & Associates can file a Consumer Proposal that will consolidate and write-off up to 80% or more of your debt. Debts eligible for consolidation under this specialized debt help tool include credit card debt, lines of credit, income tax debt, student loans, mortgage shortfalls, and more. Sands & Associates are government-qualified experts in debt management solutions and we file more Consumer Proposals each year than any other BC-based Licensed Insolvency Trustee. Tracey Lowe has more than 20 years of experience helping individuals manage and overcome difficult financial situations. As a Licensed Insolvency Trustee, Tracey specializes in personal insolvency and restructuring, often through administering consumer proposals to creditors. For Tracey, the most important aspect of her job is restoring hope in clients. “Letting people know their options is always my goal. I enjoy helping people achieve a financial fresh start,” she says. Tracey’s number one piece of advice for people seeking help with their debts: “Recognize that this process can give you a fresh start – debt-free!”