Saint-Agapit
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Saint-Agapit, debt relief, Quebec
Saint-Agapit, located in Quebec’s Chaudière-Appalaches region, has a growing population of 4,742 and offers a mix of agricultural and recreational opportunities. However, residents face challenges in managing finances due to high housing costs and limited local support for debt relief, budgeting, and financial advice, exacerbated by rising healthcare expenses and low-paying job opportunities.
City: Saint-Agapit
Province/Territory: Quebec (QC), Canada
Est. Population: 3,567
Financial Challenges
Many people living and working in Saint-Agapit might find it hard to manage their money. Housing can be expensive, making it difficult to afford rent or buy a home. Jobs in the area might not pay enough, so paying for things like food, bills, and transportation can be a struggle. If someone loses their job or can’t find well-paying work, it adds even more stress to their finances.
Additionally, accessing services that can help with money problems might be limited in Saint-Agapit. There may not be enough local support for things like budgeting help or debt advice. This makes it harder for people to get out of debt or save money for the future. Rising costs for healthcare and other essential needs can also make living in Saint-Agapit tough for those already having money issues.
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 Saint-Agapit, 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 | 1,676 |
| Living in poverty | Number of residents who are living in poverty | 396 |
| Debt defaulted | Number of residents who have defaulted on a debt payment | 39 |
| Insolvencies | Number of residents who filed for insolvency | 9 |
| Consumer proposal | Number of residents who filed for a consumer proposal | 7 |
| Personal bankruptcy | Number of residents who filed for personal bankruptcy | 2 |
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
Centre de Saint-Agapit: The heart of the town, this area features a mix of residential homes, local shops, and essential services. It’s a vibrant spot where community events often take place.
Rue Principale: This main street is lined with various businesses, restaurants, and cafes, offering a charming small-town shopping experience. It’s a favorite spot for both locals and visitors.
Parc de la Mairie: A local park that serves as a recreational area, ideal for families and outdoor enthusiasts. It features walking paths, playgrounds, and green spaces for picnics and gatherings.
Secteur Ouest: A peaceful residential neighborhood characterized by larger lots and a suburban vibe. It’s a great area for families looking for a quiet environment while still being close to the town’s amenities.
Lac des Forges Area: Known for its natural beauty, this area surrounds a small lake and offers opportunities for outdoor activities such as fishing and hiking, making it a popular choice for nature lovers.
Illustration of Saint-Agapit, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Agapit, 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 cost of living in Saint-Agapit, Quebec compared to other cities in the region?
- What are the average housing prices or rental costs in Saint-Agapit?
- How does the economic outlook for Saint-Agapit compare to other small towns in Quebec?
- What financial challenges do residents face in Saint-Agapit?
- Are there job opportunities in Saint-Agapit that offer competitive salaries?
- What are the main industries driving the economy in Saint-Agapit?
- How do residents of Saint-Agapit manage their finances with the local cost of living?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in the Chaudière-Appalaches region of Quebec, this municipality has a population of about 4,742 as of 2023, showing steady growth from around 2,906 residents in 2001. The area is part of the Lotbinière Regional County Municipality and has a balanced age distribution, with around 1,120 residents under 18 years old, 2,625 between 18 and 64, and 780 who are 65 and older. Surrounded by beautiful landscapes, the community offers a mix of agricultural and recreational opportunities, making it an appealing place for families and individuals looking for a peaceful lifestyle. Residents can enjoy local events and activities that strengthen community bonds and celebrate the region’s culture.
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!