Sainte-Agathe-des-Monts

Debt Relief & Solutions Expert

Sainte-Agathe-des-Monts, debt relief, Quebec

Sainte-Agathe-des-Monts, situated in the Laurentians of Quebec, is known for its natural beauty and cultural heritage. However, residents face challenges such as high living costs, job scarcity, and economic uncertainty, making debt relief essential. Limited awareness of financial services complicates matters, leaving many struggling to manage debts in this picturesque town.

City: Sainte-Agathe-des-Monts
Province/Territory: Quebec (QC), Canada
Est. Population: 12,136

Financial Challenges

Living in Sainte-Agathe-des-Monts can be tough for those who are struggling with money. One big challenge is the cost of living, including higher taxes that make everyday expenses like groceries and housing more expensive. People might also find it hard to pay off debts, especially if they don’t have steady jobs. When businesses in the town face financial difficulties, it can lead to fewer job opportunities, making it even harder to earn enough money to cover costs.

Another issue is the uncertainty about the future economy. Changes in government policies or economic downturns can affect local businesses and reduce the amount of money people can spend. This makes it difficult for residents to plan and save for emergencies. Additionally, while there are financial services available to help manage money problems, not everyone knows how to access these resources. All these factors together make living and working in Sainte-Agathe-des-Monts challenging for those dealing with financial 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 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


scenic view of Sainte-Agathe-des-Monts showcasing natural beauty and tranquility for debt relief relaxation retreats

*Illustration of Sainte-Agathe-des-Monts, Quebec

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 paycheck5,704
Living in povertyNumber of residents who are living in poverty1,347
Debt defaultedNumber of residents who have defaulted on a debt payment132
InsolvenciesNumber of residents who filed for insolvency30
Consumer proposalNumber of residents who filed for a consumer proposal23
Personal bankruptcyNumber of residents who filed for personal bankruptcy7

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

  • Centre-ville
    The downtown area of Sainte-Agathe-des-Monts features a vibrant mix of shops, cafes, and restaurants. It serves as the cultural hub of the town with various events and activities throughout the year, offering residents and visitors a lively atmosphere.

  • Lac des Sables
    This picturesque area is known for its beautiful waterfront and recreational opportunities. Residents enjoy activities such as kayaking, swimming, and fishing, making it a popular spot for outdoor enthusiasts. The scenic views of the lake enhance its charm.

  • Parc des Chutes
    Home to stunning waterfalls and walking trails, Parc des Chutes offers a natural retreat for locals and visitors alike. The park is perfect for hiking, picnicking, and enjoying the beauty of nature, making it a beloved spot in the community.

  • Station de Ski Mont Blanc
    A popular destination during the winter months, Mont Blanc is a ski resort that attracts snow sports enthusiasts. With a variety of slopes for all skill levels, it also offers amenities like dining and accommodations, making it a hub of activity in the colder season.

  • Domaine de la Forêt
    This tranquil residential area is nestled in the woods, providing a serene environment for families. With larger lots and proximity to nature, it’s a great choice for those seeking a quiet, suburban lifestyle that still remains close to the town’s amenities.

  • Avenue des Skieurs
    Known for its proximity to skiing and outdoor activities, this neighborhood is appealing to those who enjoy an active lifestyle. It’s close to various recreational facilities and trails, making it a favored spot for residents who love winter sports and summer hiking.

  • Village de Sainte-Agathe
    This quaint village area embodies traditional charm with its older homes and community spirit. It features local shops, markets, and community events that foster a warm, neighborly environment, making it an inviting place for families and newcomers.

scenic view of Sainte-Agathe-des-Monts showcasing natural beauty and tranquility for debt relief relaxation retreats Debt solutions available.

Illustration of Sainte-Agathe-des-Monts, Quebec, Canada

Cost of Living

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

ItemDescriptionAverage Cost
Housing (1BR)Monthly rent for a 1-bedroom apartment$1,270
Housing (2BR)Monthly rent for a 2-bedroom apartment$1,750
Average Home PriceAverage price to purchase a home$502,000
UtilitiesMonthly cost for electricity, heating, water, and garbage$200
Food (Single)Monthly grocery cost for a single person$300
Food (Family)Monthly grocery cost for a family of four$850
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$1,270
Transportation (Car)Monthly cost for car ownership$550
Childcare (Daycare)Monthly cost for daycare$650
Childcare (After-School)Monthly cost for after-school programs$300

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 Sainte-Agathe-des-Monts?
  2. How has the housing market in Sainte-Agathe-des-Monts changed over recent years?
  3. What financial assistance programs are available for residents in Sainte-Agathe-des-Monts?
  4. What are the average income levels for residents of Sainte-Agathe-des-Monts?
  5. How does the cost of utilities in Sainte-Agathe-des-Monts compare to other towns in Quebec?
  6. What are the main economic drivers in Sainte-Agathe-des-Monts?
  7. How has the COVID-19 pandemic impacted the local economy and financial stability of residents in Sainte-Agathe-des-Monts?

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

Overview

Located in the Laurentians of Quebec, this small town is known for its stunning natural beauty, with numerous lakes and lush forests that offer ample opportunities for outdoor activities like hiking, skiing, and swimming. The area has a rich cultural heritage, reflected in its charming architecture and community events that celebrate local traditions. It also serves as a popular destination for tourists seeking a peaceful getaway, making it a hub for seasonal activities and festivals. With a friendly atmosphere, the community welcomes visitors year-round, making it a pleasant place for both residents and tourists.



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