Clarence-Rockland

Consumer Proposals Explained & More

Clarence-Rockland, debt help, Ontario

Clarence-Rockland, a fast-growing municipality in eastern Ontario, faces significant challenges due to rising costs that strain residents’ budgets. Property taxes are set to increase by nearly 9% in 2025, alongside higher utility bills. These financial pressures make it difficult for families to manage expenses, highlighting the need for effective debt relief solutions in the community.

City: Clarence-Rockland
Province/Territory: Ontario (ON), Canada
Est. Population: 26,505

Financial Challenges

Residents of Clarence-Rockland are facing rising costs that make it hard to make ends meet. Property taxes are going up a lot, with an increase of almost 9% coming in 2025. This means if your home is worth around $310,000, you might have to pay an extra $212 each year. On top of that, utility bills like water and sewer rates are also increasing by 3.5% and 6% respectively. These extra costs can stretch budgets thin, especially for families already struggling to pay for daily needs.

Living in a growing city like Clarence-Rockland also means higher costs for things like road maintenance and snow removal, which the city needs to handle more as more people move in. This growth can lead to more expenses for residents, such as higher prices for services and goods. For those who are already having money problems, these increases make it even harder to save money or afford unexpected expenses. Balancing these rising costs while trying to maintain a good quality of life can be a real challenge for many people in the community.

Debt Relief Solutions Available

Financial Planning

You are creating a detailed plan to manage your finances, including budgeting, setting financial goals, and saving for future needs. It's about gaining control over your money, making informed decisions, and reducing the likelihood of new debt.

Find out more about Financial Planning

Debt Management Plan

Pay off your debt through consolidated payments and sometimes lower interest rates. In a Debt Management Plan (DMP), a credit counselor works with creditors to negotiate terms that make your debt more manageable, resulting in a single monthly payment.

Find out more about Debt Management

Debt Consolidation

Combine multiple debts, such as credit card balances and personal loans, into a single loan with a lower interest rate. This can simplify your payment process and reduce the total interest charges over time, making it easier to pay down your debt.

Find out more about Debt Consolidation

Debt Settlement

Negotiate with your creditors to reduce the amount you owe in exchange for a reduced lump-sum payment. Creditors are willing to write off the debt because they receive immediate payment. Typically, these negotiations are handled by debt settlement companies.

Find out more about Debt Settlement

Consumer Proposal

A consumer proposal is a legally binding agreement between you and your creditors to repay a portion of your debt over an extended period. Administered by an LIT, the proposal will outline a fixed monthly payment plan you can afford.

Find out more about Consumer Proposals

Bankruptcy

Personal bankruptcy is a legal process that relieves individuals who cannot repay their debts. It involves erasing most of your unsecured debts and giving you a fresh financial start, but it also has a long-term impact on your credit rating.

Find out more about Bankruptcy


Clarence-Rockland community event focusing on debt relief resources and support for local residents.

*Illustration of Clarence-Rockland, Ontario

Debt Data

This table includes estimates on the number of residents who are experiencing financial stress situations. You are not alone.

ItemDescriptionEstimated
Living paycheck to paycheckNumber of residents who are living paycheck to paycheck12,457
Living in povertyNumber of residents who are living in poverty2,942
Debt defaultedNumber of residents who have defaulted on a debt payment289
InsolvenciesNumber of residents who filed for insolvency66
Consumer proposalNumber of residents who filed for a consumer proposal50
Personal bankruptcyNumber of residents who filed for personal bankruptcy16

The estimates above are based on the following ratios living paycheck to paycheck rate (47%), poverty rate (11.1%), delinquency rate (1.09%), insolvency rate (0.25%), consumer proposal rate (0.19%), personal bankruptcy rate (.06%) from the following sources leger360.com, statcan.gc.ca, consumer.equifax.ca and is, d-isde.canada.ca.

Elimiate up to 80% of Your Debt

High cost of gas, high cost of groceries, high lending rates, low salary - being in debt is not your fault! See if you qualify for government debt programs and get out of debt today!

Write off up to 80% of your debts Reduce debts into one affordable monthly payment Stop all collections calls No interest and charges (completely frozen) Government-legislated debt relief programs

Areas / Neighbourhoods

  • Rockland: The most populous town in Clarence-Rockland, Rockland offers a vibrant community with various amenities, including shops, restaurants, and recreational facilities. It is known for its annual festivals and a family-friendly atmosphere.

  • Clarence Creek: This quaint village is known for its picturesque setting along the creek. It features a close-knit community feel, with local markets and events, making it a charming place for families and those looking for a quieter lifestyle.

  • Limoges: A rapidly growing community located just west of Rockland, Limoges has seen an increase in residential development. It combines rural charm with proximity to urban conveniences, making it appealing for new households.

  • Vars: Known for its peaceful environment and rich agricultural land, Vars is a small community that attracts those seeking a more rural lifestyle while still being close to larger urban areas.

  • Orléans: Though technically part of Ottawa, the Orléans suburb borders Clarence-Rockland and is popular for its extensive shopping, dining, and recreational options. Many residents commute to Ottawa while enjoying the suburban lifestyle.

  • Ridge Road: This area is known for its picturesque countryside views and residential homes. It offers a quieter retreat while being near the recreational amenities of the surrounding communities.

Clarence-Rockland community event focusing on debt relief resources and support for local residents. Debt solutions available.

Illustration of Clarence-Rockland, Ontario, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Clarence-Rockland, Canada to help understand the financial requirements for different living situations.

ItemDescriptionAverage Cost
Housing (1BR)Monthly rent for a 1-bedroom apartment$2,400
Housing (2BR)Monthly rent for a 2-bedroom apartment$3,000
Average Home PriceAverage price to purchase a home$885,000
UtilitiesMonthly cost for electricity, heating, water, and garbage$145
Food (Single)Monthly grocery cost for a single person$350
Food (Family)Monthly grocery cost for a family of four$1,000
Healthcare (Rx)Monthly cost for prescription medications$35
Healthcare (Dental)Monthly cost for dental care$200
Healthcare (Vision)Monthly cost for vision care$225
Transportation (Public)Monthly cost for public transit$2,400
Transportation (Car)Monthly cost for car ownership$650
Childcare (Daycare)Monthly cost for daycare$1,250
Childcare (After-School)Monthly cost for after-school programs$400

The cost of living data is based on provincial averages and may differ between cities, towns, and rural areas.

Top Questions

  1. What is the average cost of living in Clarence-Rockland compared to nearby cities?
  2. How has the real estate market in Clarence-Rockland changed in recent years?
  3. What are the average household incomes in Clarence-Rockland and how do they compare to provincial averages?
  4. What financial assistance programs are available to residents of Clarence-Rockland?
  5. How does the job market in Clarence-Rockland affect the local economy and residents’ financial well-being?
  6. What are the main financial challenges faced by residents of Clarence-Rockland?
  7. How are property taxes in Clarence-Rockland impacting resident finances?

If you have a question about debt see our debt related question or ask your own debt related question.

Overview

Clarence-Rockland is located in eastern Ontario, Canada, and is known for its blend of urban and rural lifestyles. It is recognized as one of the fastest-growing municipalities in the region, with many new homes and businesses being developed each year. The area offers various recreational facilities, community events, and excellent schooling options, making it an attractive place for families. The community is also supported by a strong agricultural sector, which plays an important role in the local economy. Its proximity to the city of Ottawa provides easy access to urban amenities while still allowing residents to enjoy a more laid-back environment.



Elimiate up to 80% of Your Debt

High cost of gas, high cost of groceries, high lending rates, low salary - being in debt is not your fault! See if you qualify for government debt programs and get out of debt today!

Write off up to 80% of your debts
Reduce debts into one affordable monthly payment
Stop all collections calls
No interest and charges (completely frozen)
Government-legislated debt relief programs