Sheila Smelt

Licensed Trustee in Bankruptcy, Chartered Accountant, CEO
In 2013, Sheila left the corporate world to begin her own business, in her hometown Chilliwack BC. Her driving force was to provide the utmost personal and professional services to all her clients…


Paula Power, originally from Halifax, N.S., has returned to beautiful British Columbia, after spending 17 years in Grande Prairie and Edmonton, Alberta. Paula is a Sr. Estate Manager and a Certified BIA (Bankruptcy and Insolvency Act) Counsellor…



We offer a No Cost, No Obligation, Confidential  Debt Evaluation. Let’s sit down and review your position, together we can determine which option best suits your situation.

Credit Counselling

Once you get out of debt, you still need to learn how to stay out of debt. You need to get back on your feet and have manageable credit.  We can help you learn to create a household budget and begin managing debt more effectively.

Consumer Proposal

A consumer proposal provides you the term and times you need to pay your creditres some or all of your debts, protect your assets, avoid bankruptcy and get out of debt.


While filing bankruptcy may seem like an extreme way to get out of debt, we will certainly review all other options and determine the best course of action to resolve your situation.





Conveniently Located and Easily Accessible:

We aggressively attempt to make ourselves available to our clients through convenient, accessible locations and non-traditional hours of service.  We know how busy life is and we do our utmost to be there when and where you need us.
  • How we can help you?

    During your first appointment we promise 1. A personal and confidential meeting,
    2. A free evaluation of your unique situation
    3. A personalized solution we won’t let you get boxed into a solution that does not work for you.
    4. No pressure or obligation.

  • How we can help you?

    Our strength is in your corner. We are qualified counselors ready to listen, offering you non judgement solutions, support and compassion. Let us hold your hand and show you the options to resolve your debt.

  • How we can help you?

    If you have a fragile financial situation, we will personally guide you to the best choice. Help put your money problems behind you.

  • How we can help you?

    Avoid the pillars of debt reduction scams and talk a licensed insolvency professional. We are licensed and regulated by the Federal government.

– 2018,  Terry Sharpe Retires

After a very extensive and success career helping folks of British Columbia with the debt solutions, Terry has made a decision to retire and relax and enjoy her family.

– 2016,  Expansion to Hope BC

Offering our full service of insolvency, bankruptcy, counselling and restructuring services from our new Hope BC office.

– 2015 , Fresh new people joined the team

With the addition of Crystal Grace, Terry Sharpe is making us more efficient and improving  our customers experience.

– 2015 , We’re in Abbotsford!

Expanding into the Fraser Valley with a new office in Abbotsford BC

– 2014 , Fresh new people joined the team

With the addition of Taelyr Keeley we have increased our capacity and improved our clients journey.

– 2014 , Opened Sheila Smelt and Associates

Leaving the corporate world to fulfill my entrepreneur spirit and improve the clients journey through debt and recovery.

– 1996-2013 , Sands Trustee, E Sands and Associates

Licensed insolvency trustee managing the Chilliwack and Fraser Valley region.

We take our commitment to the community seriously, actively engaging community members through insolvency, debt and financial management workshops

  • Consumer debt & family relations issues
  • Debt restructuring – a banking perspective
  • Bankruptcy & restructuring – employer & employee issues
  • Bankruptcy & restructuring: an accountant’s perspective – adding value to business clients & tax issues