Pointe-Calumet
Debt Relief & Consumer Proposal Experts
Pointe-Calumet, debt relief, Quebec
Pointe-Calumet, a picturesque town in Quebec, faces challenges for residents struggling with debt and rising living costs. Limited provincial funding may lead to higher taxes and reduced services, compounding financial stress. Despite economic growth, stagnant incomes and unexpected expenses make managing debt difficult. This situation underscores the need for effective debt relief solutions to ensure financial stability for families.
City: Pointe-Calumet
Province/Territory: Quebec (QC), Canada
Est. Population: 6,281
Financial Challenges
Living in Pointe-Calumet can be hard for people who are struggling with money. The city might have less money from the province, so they could raise local taxes or cut important services like parks and libraries. This means that things people need every day could become more expensive or harder to find. When taxes go up, it leaves families with less money to spend on groceries, clothes, and other essentials.
People in Pointe-Calumet may also find it difficult to manage their debts because their incomes might not keep up with the cost of living. Even though the economy is growing, not everyone gets a higher paycheck, which can make it tough to pay bills on time. Job stability might be uncertain, and unexpected expenses like car repairs or medical bills can add to the financial stress. All of these factors make it challenging for those who are already having money problems to live comfortably and secure their financial future.
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 Pointe-Calumet, 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 | 2,952 |
Living in poverty | Number of residents who are living in poverty | 697 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 68 |
Insolvencies | Number of residents who filed for insolvency | 16 |
Consumer proposal | Number of residents who filed for a consumer proposal | 12 |
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
Quartier de la Plage: This area is known for its beautiful waterfront and is increasingly popular for recreational activities, including swimming, picnicking, and various water sports. It offers a scenic view of the Lac des Deux Montagnes.
Centre-ville de Pointe-Calumet: The downtown area features a mix of local businesses, restaurants, and community services. It serves as the social and economic hub of the town, making it a convenient spot for residents.
Éco-quartier: This eco-friendly neighborhood emphasizes sustainability and community engagement. It showcases green spaces, environmentally conscious parks, and initiatives that promote outdoor activities and community involvement.
Rive Nord: This residential area is characterized by its quiet streets and family-friendly atmosphere. It offers a range of housing options and is conveniently located near schools and local amenities.
Parc Municipal de Pointe-Calumet: This municipal park is a favored destination for families and outdoor enthusiasts. It features walking trails, playgrounds, and picnic areas, making it a great spot for recreational activities throughout the year.
Les Terres de la Vieille: A growing community that combines residential living with accessibility to local nature trails and parks. It appeals to those looking for a peaceful suburban lifestyle with close-knit community vibes.

Illustration of Pointe-Calumet, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Pointe-Calumet, 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 Pointe-Calumet, Quebec?
- How do housing prices in Pointe-Calumet compare to nearby cities?
- What are the main economic drivers in Pointe-Calumet?
- Are there any financial assistance programs available for residents in Pointe-Calumet?
- How does the unemployment rate in Pointe-Calumet compare to the provincial average?
- What are the anticipated economic trends for Pointe-Calumet in the next few years?
- What is the average household income in Pointe-Calumet, and how does it impact residents’ financial challenges?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Pointe-Calumet is a small town located in the Laurentians region of Quebec, Canada, situated on the shores of the Ottawa River. This community is known for its scenic landscapes that include beautiful parks and recreational areas, making it a great spot for outdoor activities like swimming, fishing, and hiking. The area also features various local amenities, such as shops and restaurants, creating a welcoming atmosphere for both residents and visitors. The town is well-connected to larger urban centers, providing easy access to additional services and entertainment options, while maintaining a quaint, small-town charm.
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!