Debt Reduction solutions
Consumer credit counselling and budgeting
Insolvency Administration


Insolvency Counsellor’s Qualification Course
2008 – National Insolvency Qualification Program (CAIRP)

Terry brings a lifetime of experience and understanding to her interactions with people.
As a Professional Estate Manager with 10 years experience, she worked for years with Sands & Associates Inc. as their senior Fraser Valley Estate manager. Drawing from her experience at the bank and as a credit counsellor, Terry assisted individuals and families with debt restructuring, proposals and bankruptcy.

Terry understands first hand what it means to struggle financially. Her personal circumstances coping with loss of house hold income due to a marital breakdown, raising 2 sons on her own, owning a leaky condo and the unexpected loss of long term employment gives her personal insight into what the people she works with are struggling with. She brings hope and light to those in difficult circumstances.

She worked for the Royal Bank of Canada for over 30 years in Customer Service, Management, Audit &Review, Consumer & Business Services, & Pension Benefits Automation.

Terry’s managed National Credit Counsellors of Canada Inc. for 5 years. Her broad understanding of finance and budgeting enabled her to work with mortgage brokers and creditors to secure debt settlements and negotiate payment terms for individuals. Her work included debt management services, team building, client management,training and Debt Program Analysis.

She is a life long resident of the Fraser Valley and a proud mother and grandmother. Family hers and yours is her top priority.


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