Perce

Expert Debt Solutions & Consumer Proposal Help

Perce, debt relief, Quebec

Percé, Quebec, known for its coastal beauty and tourism, faces economic challenges due to a declining, aging population and limited job opportunities. This impacts residents’ ability to manage daily expenses and access financial assistance. The struggling local economy further exacerbates debt issues, making debt relief options crucial for families navigating financial hardships in the community.

City: Perce
Province/Territory: Quebec (QC), Canada
Est. Population: 3,312

Financial Challenges

Many people living in Percé face tough times because there aren’t enough jobs available. The population has been getting smaller, and a lot of residents are older, which means there are fewer people working to support the community. With limited job opportunities, especially for younger people, it can be hard to find steady income. This makes it difficult for families to pay for things like rent, groceries, and other daily needs.

On top of that, the bigger economy in Quebec is struggling, which affects Percé too. The government has less money to spend on local projects, and businesses may close or cut back, reducing the chances to earn money. Access to banks and financial help is also limited in small towns, making it harder for people to get loans or manage debts. All these factors together make living and working in Percé challenging for those who are already having 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.

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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.

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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


Perce debt relief consultation with a financial advisor discussing options for managing debt.

*Illustration of Perce, 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 paycheck1,557
Living in povertyNumber of residents who are living in poverty368
Debt defaultedNumber of residents who have defaulted on a debt payment36
InsolvenciesNumber of residents who filed for insolvency8
Consumer proposalNumber of residents who filed for a consumer proposal6
Personal bankruptcyNumber of residents who filed for personal bankruptcy2

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

  • Percé: This vibrant coastal village is known for its stunning views of the iconic Percé Rock and the surrounding Gulf of St. Lawrence. Visitors flock here for its picturesque scenery, seafood restaurants, and art galleries.

  • Mont-Saint-Anne: Nestled near the mountains, this area offers a variety of outdoor activities such as hiking and skiing. It’s a popular destination for nature enthusiasts, providing access to beautiful trails and panoramic views.

  • Cap d’Espoir: A charming community located along the shoreline, Cap d’Espoir is known for its tranquil atmosphere, sandy beaches, and fishing opportunities. It’s an ideal spot for those looking to relax by the water.

  • L’Anse-à-Beaufils: This quaint neighborhood is celebrated for its traditional fishing village charm. It boasts a scenic harbor, local artisanal shops, and historical sites, making it a delightful stop for visitors.

  • Sainte-Thérèse-de-Gaspé: A peaceful area offering lush landscapes and access to various outdoor activities. It’s perfect for those who appreciate nature and the tranquility of rural life.

  • Île Bonaventure: While not a neighborhood in Percé itself, this nearby island is a popular excursion for its wildlife, particularly the large gannet colony. It offers hiking trails and breathtaking views of the Gulf, attracting many tourists.

Perce debt relief consultation with a financial advisor discussing options for managing debt. Debt solutions available.

Illustration of Perce, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Perce, 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 Percé, Quebec?
  2. How does the housing market in Percé compare to other regions in Quebec?
  3. What are the main sources of employment in Percé, and how do they affect the local economy?
  4. What financial assistance programs are available for residents facing economic challenges in Percé?
  5. How has the tourism industry impacted the economy and cost of living in Percé?
  6. What are the typical salaries for jobs in Percé, and how do they measure up against the cost of living?
  7. How are property taxes structured in Percé, and how do they affect residents’ financial situations?

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

Overview

Known for its stunning coastal views and rich natural beauty, this small municipality in Quebec is situated near the famous Percé Rock, a natural limestone formation that attracts countless visitors each year. The community’s population, primarily French-speaking, has been gradually declining, which poses unique challenges for local residents as they navigate an aging demographic. With a significant portion of the population being seniors, the area emphasizes a connection to its history and culture, boasting a strong fishing and tourism industry that reflects its maritime heritage. Outdoor enthusiasts enjoy a range of activities, including hiking and bird-watching, making it a popular destination for nature lovers and travelers seeking an escape into picturesque landscapes.



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!

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