Stirling-Rawdon
Expert Debt Relief & Consumer Proposals
Stirling-Rawdon, debt relief, Ontario
Stirling-Rawdon, a quaint Ontario township with a population of around 5,015, faces significant financial challenges. Many residents, primarily older adults on fixed incomes, struggle with rising healthcare and living costs. Limited job opportunities in farming and local services contribute to debt issues, forcing reliance on credit. The scarcity of financial assistance makes debt relief and management difficult for this close-knit community.
City: Stirling-Rawdon
Province/Territory: Ontario (ON), Canada
Est. Population: 5,015
Financial Challenges
Many people in Stirling-Rawdon have financial problems because a lot of residents are older and depend on fixed incomes. This makes it difficult to pay for things like healthcare and everyday expenses. With fewer young people working, there are not enough earners to support local businesses and pay taxes, which can lead to fewer jobs and lower incomes for everyone.
Also, most jobs in Stirling-Rawdon are in farming or local services, which can be unstable and might not pay enough to cover all costs. This forces people to rely on credit cards or loans, leading to debt. In rural areas, there are not many places to get financial help or advice, so people struggling with money problems find it harder to get the support they need.
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 Stirling-Rawdon, 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 | 2,357 |
Living in poverty | Number of residents who are living in poverty | 557 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 55 |
Insolvencies | Number of residents who filed for insolvency | 13 |
Consumer proposal | Number of residents who filed for a consumer proposal | 10 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 3 |
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
Stirling Village: The heart of Stirling-Rawdon, this quaint village features a charming main street lined with local shops, cafes, and community services. It’s known for its vibrant community spirit and hosts various local events throughout the year.
Rawdon Township: This area is characterized by its rural charm, consisting of scenic landscapes and expansive farmland. It’s an ideal spot for those who appreciate outdoor activities and a quieter lifestyle, while still being close to the amenities of Stirling.
Moira Lake: A popular recreational area, Moira Lake offers opportunities for fishing, boating, and picnicking. The surrounding parkland is perfect for family gatherings and leisure activities, attracting both locals and visitors during the warmer months.
Stirling-Rawdon Recreational Park: An essential community hub, this park boasts sports facilities, playgrounds, and walking trails. It’s a focal point for various community events and sports leagues, fostering local engagement.
Stirling Fairgrounds: Located adjacent to Stirling Village, these grounds host the annual Stirling Fair along with other community events. It plays a significant role in bringing residents together to celebrate local agriculture, arts, and culture.

Illustration of Stirling-Rawdon, Ontario, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Stirling-Rawdon, 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 Stirling-Rawdon compared to other towns in Ontario?
- What are the housing prices like in Stirling-Rawdon, and how have they changed over the years?
- What are the major sources of employment in Stirling-Rawdon, and how do they affect residents’ financial stability?
- How does the provincial economic outlook impact Stirling-Rawdon’s local economy and job opportunities?
- What financial assistance programs are available for residents in Stirling-Rawdon facing economic challenges?
- How does the cost of utilities and services in Stirling-Rawdon compare to larger urban areas in Ontario?
- What are the local government initiatives to support economic growth and improve financial conditions for residents in Stirling-Rawdon?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in eastern Ontario, this township is known for its picturesque landscapes and small-town charm. With a population of approximately 5,015, it has a close-knit community atmosphere where residents enjoy outdoor activities like hiking and fishing in nearby parks and rivers. The area features several local amenities, including schools, shops, and recreational facilities that cater to families and individuals alike. The township also has a rich history, highlighted by its heritage buildings and local events that celebrate its cultural roots. Additionally, it offers a peaceful lifestyle while still being within reach of larger urban centers for those seeking a bit more excitement.
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!