Kingsville

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Kingsville, debt help, Ontario

Kingsville, known for its scenic beauty and agricultural charm, faces significant economic challenges. Residents grapple with rising living costs, stagnant job opportunities, and insufficient tax revenues for essential services and infrastructure repairs. These financial strains make it difficult for those in debt to manage their obligations, highlighting the need for effective debt relief solutions.

City: Kingsville
Province/Territory: Ontario (ON), Canada
Est. Population: 22,119

Financial Challenges

Living in Kingsville can be tough if you’re having money problems. The town doesn’t get as much money from taxes and help from the province as other nearby places. At the same time, things like gas, groceries, and utilities are getting more expensive because of higher costs and inflation. This means it’s harder to pay for everyday needs. On top of that, the town needs to spend more money fixing roads, bridges, and water systems, but there isn’t enough money to cover all these repairs.

Working in Kingsville can also be challenging right now. The economy is slowing down, so there are fewer jobs and less new building happening. This makes it harder to find work and earn enough money. To keep the town running and fix important things, the government is planning to raise taxes, which means families will have to pay more each year. All these issues make it difficult for people who are already struggling with money to live and work comfortably in Kingsville.

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


Kingsville scenery with a focus on community support for debt relief solutions

*Illustration of Kingsville, 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 paycheck10,396
Living in povertyNumber of residents who are living in poverty2,455
Debt defaultedNumber of residents who have defaulted on a debt payment241
InsolvenciesNumber of residents who filed for insolvency55
Consumer proposalNumber of residents who filed for a consumer proposal42
Personal bankruptcyNumber of residents who filed for personal bankruptcy13

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

  • Kingsville Downtown
    The heart of Kingsville, this area features a vibrant mix of shops, restaurants, and charming heritage buildings. It hosts various community events and is known for its welcoming atmosphere.

  • Lakefront District
    Located along Lake Erie, this picturesque neighborhood offers stunning waterfront views and recreational opportunities. Residents and visitors can enjoy parks, walking trails, and access to boating activities.

  • Greenwood Estates
    A family-friendly community with well-established homes and green spaces. This neighborhood is popular among families due to its proximity to schools and recreational facilities.

  • Heritage Park
    This area is popular for its serene environment and historical significance. It features beautiful parks and is close to local attractions, providing a perfect mix of nature and culture.

  • Pelee Island Ferry Terminus
    A crucial area for travelers heading to Pelee Island, it’s bustling with activity during ferry operating hours. It also features nearby amenities, making it a convenient stop for visitors.

  • Cedar Island
    A more secluded area offering a tranquil living environment with stunning views of the lake. It features waterfront properties and is ideal for those seeking peace and relaxation.

  • Kingsville Estates
    Known for its spacious properties and suburban vibe, this neighborhood appeals to those looking for a quiet lifestyle while still being close to the amenities of the town.

  • Mettawas Landing
    A unique waterfront community known for its upscale homes and luxury lifestyle. Residents enjoy private access to the lake and beautifully landscaped surroundings.

  • Jack Miner Bird Sanctuary
    Not only a popular destination for nature lovers but also a unique neighborhood close to a migratory bird sanctuary. It offers an opportunity for outdoor activities while being in close proximity to the amenities of Kingsville.

  • Elm Street Neighborhood
    This area is characterized by its friendly community atmosphere and well-maintained homes. It’s close to downtown and parks, making it a desirable place for families and retirees.

Kingsville scenery with a focus on community support for debt relief solutions Debt solutions available.

Illustration of Kingsville, Ontario, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Kingsville, 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 Kingsville, Ontario?
  2. How does the housing market in Kingsville compare to other towns in Ontario?
  3. What are the job opportunities and economic outlook for residents in Kingsville?
  4. How do utility costs in Kingsville affect the overall cost of living?
  5. Are there any financial assistance programs available for residents facing economic challenges in Kingsville?
  6. What are the average income levels in Kingsville, and how do they impact the local economy?
  7. How do local taxes in Kingsville influence homeowners and renters financially?

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

Overview

Located near Lake Erie, this town is known for its beautiful scenery and is surrounded by farms and vineyards that contribute to its agricultural reputation. It has a rich history, evident in its charming downtown area, which features various shops, restaurants, and parks. The local community actively participates in events throughout the year, including cultural festivals and outdoor activities, making it a welcoming place for residents and visitors alike. The nearby lake offers opportunities for fishing, boating, and other water sports, while the area’s natural landscapes provide excellent spots for hiking and exploring.



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