L'Ange-Gardien

Expert Debt Relief & Consumer Proposal Help

L’Ange-Gardien, debt relief, Quebec

L’Ange-Gardien, a picturesque Quebec municipality near Quebec City, has seen population growth but faces challenges related to rising housing costs, impacting affordability and living expenses. Families and seniors may struggle with budgets, while job scarcity leads residents to commute for work, increasing costs. Limited local financial support further complicates debt relief efforts for those in need.

City: L’Ange-Gardien
Province/Territory: Quebec (QC), Canada
Est. Population: 6,102

Financial Challenges

Living in L’Ange-Gardien can be tough if you’re having money problems. As more people move to the area, housing prices and rent can go up, making it hard to afford a place to live. Families with children might struggle with the costs of schools and childcare, while older adults on fixed incomes may find it difficult to cover their living expenses and medical bills. Since L’Ange-Gardien is a rural area, there aren’t as many local jobs available, which means some people have to travel to Quebec City for work. This can add extra costs for transportation and make it harder to earn enough money to keep up with bills.

Another challenge is that there are fewer local services to help with financial problems. If you need advice or assistance managing debt, you might have to go farther away to find support. Limited access to banks and credit options can make it harder to get loans or manage unexpected expenses. Additionally, the high demand for housing can lead to competition, making it harder for people with limited budgets to find affordable homes. All these factors combined can make living and working in L’Ange-Gardien difficult for those facing financial struggles.

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.

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Debt 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.

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Debt 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 Consolidation

Debt 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 Settlement

Consumer 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 Proposals

Bankruptcy

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


L’Ange-Gardien community center specializing in debt relief services and financial counseling.

*Illustration of L’Ange-Gardien, 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 paycheck2,868
Living in povertyNumber of residents who are living in poverty677
Debt defaultedNumber of residents who have defaulted on a debt payment67
InsolvenciesNumber of residents who filed for insolvency15
Consumer proposalNumber of residents who filed for a consumer proposal12
Personal bankruptcyNumber of residents who filed for personal bankruptcy4

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 L’Ange-Gardien offers a blend of local shops, cafes, and services. It’s a vibrant hub that attracts both residents and visitors, making it a key area for community events and gatherings.

  • Les Cèdres: This neighborhood is known for its beautiful residential streets and green spaces. It’s a family-friendly area with access to parks and recreational facilities, ideal for outdoor activities.

  • Parc de l’Ange-Gardien: A popular spot for locals, this park provides a scenic environment with walking paths, playgrounds, and picnic areas. It’s a great place for community activities and enjoying nature.

  • Route 309: Running through L’Ange-Gardien, this road connects various neighborhoods and is lined with local businesses and amenities. It’s a primary route for residents and an essential part of the community’s infrastructure.

  • L’Ange-Gardien Industrial Park: This area is dedicated to local businesses and industries, contributing to the economic growth of the municipality. It provides job opportunities and is a key area for commerce in the region.

L’Ange-Gardien community center specializing in debt relief services and financial counseling. Debt solutions available.

Illustration of L’Ange-Gardien, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in L’Ange-Gardien, 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 L’Ange-Gardien, Quebec?
  2. How does the housing market in L’Ange-Gardien compare to nearby cities?
  3. What are the primary economic sectors driving growth in L’Ange-Gardien?
  4. Are there significant financial challenges faced by residents of L’Ange-Gardien?
  5. What is the unemployment rate in L’Ange-Gardien, and how has it changed recently?
  6. Are there any local government initiatives to support economic development in L’Ange-Gardien?
  7. How do utility and transportation costs in L’Ange-Gardien impact the overall cost of living?

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

Overview

L’Ange-Gardien is a charming municipality located in the province of Quebec, just east of Quebec City. It is known for its rural landscapes, providing a peaceful environment amidst nature. The area is home to a growing population, which was recorded at over 6,100 residents in 2021, reflecting a significant increase since 2016. The community features numerous private dwellings and a relatively low population density, making it an appealing choice for families and individuals seeking a quieter lifestyle while still being close to urban amenities. The rich history and close-knit community contribute to its unique identity, making it a pleasant place to live.



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