The Pas
Consumer Proposal & Bankruptcy Solutions Experts
The Pas, debt relief, Manitoba
The Pas, Manitoba is a community rich in Indigenous heritage and surrounded by natural beauty, serving as a hub for rural areas. It faces challenges with job instability in industries like mining and forestry, leading to financial difficulties for residents. The high cost of living and limited access to debt relief resources make it hard for families to manage expenses and find financial support.
City: The Pas
Province/Territory: Manitoba (MB), Canada
Est. Population: 7,302
Financial Challenges
Living in The Pas, Manitoba can be hard for people who are having money problems. Many jobs there are in mining, farming, or forestry, which can sometimes lose money or shut down. When that happens, families might lose their jobs or earn less, making it tough to pay for things like rent, food, and bills. Also, since The Pas is a small town, there aren’t many places to go for help with debts or finding new jobs.
Another challenge is that things can be more expensive in The Pas compared to bigger cities. Shopping for groceries or other items might cost more because they have to be brought from far away. Plus, there are fewer banks and financial advisors, so it can be harder to get advice on how to manage money or deal with debt. All these reasons make it difficult for people in The Pas who are trying to make ends meet.
Debt Relief Solutions Available
Financial Planning
Financial planning means making a smart plan for your money. It helps you budget, set goals, and save for the future. With a plan in place, you can feel more in control of your money and avoid falling into debt again.
Find out more about Financial PlanningDebt Management Plan
A Debt Management Plan, or DMP, helps you pay back what you owe in one simple monthly payment. A credit expert talks to your creditors to lower your interest and make the debt easier to handle.
Find out more about Debt ManagementDebt Consolidation
Debt consolidation means putting all your debts—like credit cards and loans—into one new loan. This new loan usually has a lower interest rate, which can help you save money and pay off your debt faster.
Find out more about Debt ConsolidationDebt Settlement
Debt settlement means offering less than the full amount you owe to clear your debt. Creditors may accept it because they get paid quickly. A debt settlement company usually helps with this process.
Find out more about Debt SettlementConsumer Proposal
A consumer proposal is a legal deal between you and the people you owe. You agree to pay back part of your debt in smaller monthly payments. A Licensed Insolvency Trustee helps make the plan and talks to your creditors for you.
Find out more about Consumer ProposalsBankruptcy
Bankruptcy is a legal way to clear most of your debts if you can’t pay them back. It gives you a fresh start, but it can also hurt your credit score for several years.
Find out more about Bankruptcy
*Illustration of The Pas, Manitoba
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 | 3,432 |
Living in poverty | Number of residents who are living in poverty | 811 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 80 |
Insolvencies | Number of residents who filed for insolvency | 18 |
Consumer proposal | Number of residents who filed for a consumer proposal | 14 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 4 |
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
Downtown The Pas
The heart of The Pas, this vibrant area is known for its local shops, cafes, and community events. It serves as a hub for residents and visitors alike, often bustling with activities and gatherings.Oyster Bay
Located along the shores of the Saskatchewan River, Oyster Bay is a picturesque neighborhood that offers scenic views and outdoor recreational opportunities. It’s popular for fishing, boating, and enjoying nature.Kelsey Trail
A family-friendly neighborhood characterized by its quiet streets and parks. Kelsey Trail provides a mix of residential homes and local amenities, making it a desirable area for families and those seeking a peaceful environment.Murray Avenue
Known for its close-knit community feel, Murray Avenue features a range of housing options and easy access to local schools and parks. The area is popular among families, offering a safe and welcoming atmosphere.Riverside Estates
This suburban neighborhood is situated close to the river and offers spacious lots and modern homes. Riverside Estates is appreciated for its tranquility and proximity to nature, making it ideal for outdoor enthusiasts.Pine Crescent
A residential area known for its beautiful tree-lined streets and family homes. Pine Crescent is popular for its sense of community, with neighbors often engaging in friendly activities and local events.Wolf Creek
Located on the outskirts of The Pas, this area is known for larger properties and a rural lifestyle. Wolf Creek attracts those seeking more space and a connection to nature while still being accessible to the amenities of the town.

Illustration of The Pas, Manitoba, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in The Pas, Canada to help understand the financial requirements for different living situations.
Item | Description | Average Cost |
---|---|---|
Housing (1BR) | Monthly rent for a 1-bedroom apartment | $1,282 |
Housing (2BR) | Monthly rent for a 2-bedroom apartment | $1,692 |
Average Home Price | Average price to purchase a home | $343,000 |
Utilities | Monthly cost for electricity, heating, water, and garbage | $220 |
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 | $1,282 |
Transportation (Car) | Monthly cost for car ownership | $550 |
Childcare (Daycare) | Monthly cost for daycare | $1,000 |
Childcare (After-School) | Monthly cost for after-school programs | $350 |
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 The Pas, Manitoba?
- How does the unemployment rate in The Pas compare to the national average?
- What are the primary economic sectors driving growth in The Pas?
- What financial assistance programs are available for residents facing economic challenges in The Pas?
- How do housing prices in The Pas affect the local economy and residents’ financial situations?
- What are the average salaries in The Pas for various professions, and how does that influence the cost of living?
- Are there local resources or organizations that help residents with financial literacy and budgeting in The Pas?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in northern Manitoba, this community sits along the Saskatchewan River and serves as a hub for surrounding rural areas. It has a rich Indigenous heritage and is surrounded by vast forests, making it a gateway to outdoor activities like fishing, hiking, and winter sports. The local economy is largely driven by industries such as forestry, mining, and agriculture, providing jobs for residents. The area is noted for its natural beauty, with nearby lakes and wilderness areas offering opportunities for recreation and tourism. This place also hosts various cultural events throughout the year, celebrating its diverse heritage and community spirit.
Eliminate 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!