Elizabethtown-Kitley
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Elizabethtown-Kitley, debt relief, Ontario
Elizabethtown-Kitley, Ontario, offers a rural lifestyle but faces challenges, including high property taxes due to necessary infrastructure repairs and insufficient funding for essential services like long-term care. Limited job opportunities hinder financial stability for residents. This environment can strain those seeking debt relief, making it essential for affected individuals to explore options like consumer proposals and debt management.
City: Elizabethtown-Kitley
Province/Territory: Ontario (ON), Canada
Est. Population: 9,545
Financial Challenges
Living and working in Elizabethtown-Kitley, Ontario can be tough for people who are having money problems. The town has old buildings and roads that need fixing, which means the local government has to spend a lot of money on repairs. Sometimes, they rely on grants from the government to pay for these projects. This can make things like property taxes go up, making it harder for families to afford their homes and everyday expenses. Also, some important services, like long-term care for older people, don’t get enough money, so residents might not get the help they need.
Another challenge is finding good job opportunities. Even though the town is trying to improve the economy by holding meetings and getting money for new projects, there aren’t always enough jobs available for everyone. This can make it hard for people to earn enough money to pay their bills and support their families. Additionally, when the town has to choose between spending money on roads or playgrounds, sometimes important services don’t get the funding they need. All these factors can make living in Elizabethtown-Kitley difficult for those who are already struggling with money issues.
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 PlanningDebt 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 ManagementDebt 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 ConsolidationDebt 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 SettlementConsumer 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 ProposalsBankruptcy
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
*Illustration of Elizabethtown-Kitley, Ontario
Debt Data
This table includes estimates on the number of residents who are experiencing financial stress situations. You are not alone.
Item | Description | Estimated |
---|---|---|
Living paycheck to paycheck | Number of residents who are living paycheck to paycheck | 4,486 |
Living in poverty | Number of residents who are living in poverty | 1,059 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 104 |
Insolvencies | Number of residents who filed for insolvency | 24 |
Consumer proposal | Number of residents who filed for a consumer proposal | 18 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 6 |
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
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Areas / Neighbourhoods
Lombardy
A quaint village known for its charming rural atmosphere and close-knit community, Lombardy features picturesque landscapes and historic buildings. It offers a mix of residential properties and agricultural land.Brockville
Located near the boundary of Elizabethtown-Kitley, Brockville is a picturesque waterfront city that boasts a range of amenities including shops, restaurants, and recreational facilities. The area is known for its beautiful waterfront and outdoor activities.Elizabethtown
The heart of the township, Elizabethtown features a mix of residential homes, parks, and access to several trails. This area is known for its family-friendly atmosphere and community events throughout the year.Kitley
Kitley is characterized by its scenic landscapes and agricultural roots. The community is tranquil, offering residents a peaceful rural lifestyle with proximity to nature and outdoor recreational opportunities.Butternut Bay
A prime location for nature enthusiasts, Butternut Bay is known for its waterfront properties and recreational opportunities. It offers a serene environment perfect for boating, fishing, and enjoying the natural beauty of the area.New Dublin
A small village within Elizabethtown-Kitley, New Dublin features a tight-knit community. It is known for its historical significance and local events that bring residents together, making it a charming area to live.Delta
This village is rich in history and offers a blend of rural charm and community spirit. Delta has a few local businesses and is surrounded by natural beauty, making it a serene place to call home.

Illustration of Elizabethtown-Kitley, Ontario, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Elizabethtown-Kitley, Canada to help understand the financial requirements for different living situations.
Item | Description | Average 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 Price | Average price to purchase a home | $885,000 |
Utilities | Monthly 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
- What is the average cost of living in Elizabethtown-Kitley, Ontario?
- How does the housing market in Elizabethtown-Kitley compare to nearby cities?
- What are the main industries driving the economy in Elizabethtown-Kitley?
- What financial assistance programs are available for residents in Elizabethtown-Kitley?
- How has the unemployment rate in Elizabethtown-Kitley changed in recent years?
- What are the typical salaries for common jobs in Elizabethtown-Kitley?
- How are property taxes structured in Elizabethtown-Kitley?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Elizabethtown-Kitley is a township in Ontario, located near the St. Lawrence River, and is part of Leeds and Grenville County. It features a mix of rural landscapes, small towns, and agricultural areas, providing a peaceful environment for residents. The community is known for its outdoor activities, with numerous parks, trails, and waterways for hiking, fishing, and boating. Events throughout the year, including local festivals and markets, promote community spirit and engagement. The township’s history can be traced back to early settlers, and today it maintains a blend of heritage and modern living, appealing to both families and retirees.
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!