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 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 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.
Item | Description | Estimated |
---|---|---|
Living paycheck to paycheck | Number of residents who are living paycheck to paycheck | 5,704 |
Living in poverty | Number of residents who are living in poverty | 1,347 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 132 |
Insolvencies | Number of residents who filed for insolvency | 30 |
Consumer proposal | Number of residents who filed for a consumer proposal | 23 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 7 |
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!
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.

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.
Item | Description | Average 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 Price | Average price to purchase a home | $502,000 |
Utilities | Monthly 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
- What is the average cost of living in Sainte-Agathe-des-Monts?
- How has the housing market in Sainte-Agathe-des-Monts changed over recent years?
- What financial assistance programs are available for residents in Sainte-Agathe-des-Monts?
- What are the average income levels for residents of Sainte-Agathe-des-Monts?
- How does the cost of utilities in Sainte-Agathe-des-Monts compare to other towns in Quebec?
- What are the main economic drivers in Sainte-Agathe-des-Monts?
- 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!