Candiac
Expert Debt Relief & Consumer Proposal Services
Candiac, debt help, Quebec
Candiac, a serene city in southwestern Quebec, offers beautiful parks and a family-friendly atmosphere near the Saint Lawrence River. However, residents face challenges such as high housing costs and limited job opportunities due to economic slowdowns. Reduced public services increase debt management difficulties, stressing individuals already struggling with finances. Seeking debt relief options is essential for those in need.
City: Candiac
Province/Territory: Quebec (QC), Canada
Est. Population: 22,997
Financial Challenges
In Candiac, people who have money problems might find it hard to pay for housing even though interest rates are lower. This can make buying or renting a home more expensive over time. Job opportunities might also be limited because the economy isn’t growing fast, making it tough to find stable work or increase income.
Additionally, with the government cutting its budget, there might be fewer public services like community centers or help programs available. Managing debts becomes more difficult without enough support, and if people lose their jobs or have less income, it can lead to more stress and financial struggles. This makes living and working in Candiac challenging for those facing money problems.
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 Candiac, 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 | 10,809 |
Living in poverty | Number of residents who are living in poverty | 2,553 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 251 |
Insolvencies | Number of residents who filed for insolvency | 57 |
Consumer proposal | Number of residents who filed for a consumer proposal | 44 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 14 |
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
Candiac East: This neighborhood is known for its family-friendly environment and lush green spaces. It features several parks and recreational facilities, making it an ideal area for outdoor activities and community gatherings.
Candiac West: This area boasts a mix of residential options, including single-family homes and condos. It is popular among young families due to its close proximity to schools, shops, and various amenities.
Les Jardins de Candiac: A picturesque neighborhood characterized by its well-maintained gardens and landscaping. Residents enjoy a peaceful atmosphere with a sense of community, along with easy access to walking trails and parks.
Centre-ville de Candiac: The town center, or downtown area, is vibrant with shops, restaurants, and services. It serves as the cultural heart of Candiac, hosting events and gatherings throughout the year.
Bord-de-l’Eau: Located along the waterfront, this neighborhood offers beautiful views of the river. It is popular for those who enjoy watersports and leisure activities, and it features several scenic walking paths.
Les Promenades de Candiac: This area is known for its shopping centers and commercial strips. It is a bustling part of the community where residents can find various retail stores, dining options, and entertainment venues.

Illustration of Candiac, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Candiac, 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 Candiac, Quebec?
- How does the housing market in Candiac compare to other cities in Quebec?
- What are the main economic drivers in Candiac, and how do they impact employment opportunities?
- What financial assistance programs are available for residents in Candiac?
- How have property taxes in Candiac changed over the past few years?
- What are common financial challenges faced by residents of Candiac?
- How does the cost of living in Candiac affect the overall quality of life for its residents?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in southwestern Quebec, this city is known for its beautiful parks, green spaces, and peaceful family-friendly atmosphere. It is situated close to the Saint Lawrence River and offers various recreational activities such as biking, hiking, and outdoor sports. The city is home to a mix of residential neighborhoods and amenities, making it a desirable place for families and individuals looking for a quiet lifestyle. Additionally, its proximity to Montreal allows residents to enjoy both the charm of a smaller community and the benefits of urban life nearby.
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!