Saint-Alphonse-Rodriguez
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Saint-Alphonse-Rodriguez, debt relief, Quebec
Saint-Alphonse-Rodriguez, a small municipality in Quebec’s Lanaudière region, faces significant financial challenges. With a high unemployment rate of 11% and many households earning under $60,000, residents struggle with living costs. Fixed incomes among older residents and limited job opportunities exacerbate financial stress. As the Quebec economy slows, the need for debt relief solutions becomes increasingly critical.
City: Saint-Alphonse-Rodriguez
Province/Territory: Quebec (QC), Canada
Est. Population: 3,134
Financial Challenges
Saint-Alphonse-Rodriguez has financial challenges that make it hard for people who are struggling with money. The unemployment rate is high, with about 11% of people without jobs. Many families earn less than $60,000 a year, which makes it difficult to pay for things like rent, groceries, and bills. Since almost 40% of households have only one person, there is less money to cover these expenses.
Additionally, a large number of residents are older and live on fixed incomes, making it tough to handle unexpected costs. The area is rural, so there are fewer job opportunities nearby, and people might need to travel far for work, increasing their expenses. The overall economy in Quebec is expected to slow down, which could lead to even fewer jobs and more financial stress for those living and working in Saint-Alphonse-Rodriguez.
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-Alphonse-Rodriguez, 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 | 1,473 |
Living in poverty | Number of residents who are living in poverty | 348 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 34 |
Insolvencies | Number of residents who filed for insolvency | 8 |
Consumer proposal | Number of residents who filed for a consumer proposal | 6 |
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-Alphonse-Rodriguez: This area serves as the main hub of the municipality, featuring local shops, community services, and essential amenities. It’s a vibrant area where residents frequently gather for community events.
Lac des Écorces: A picturesque neighborhood surrounding a serene lake that offers opportunities for outdoor activities such as swimming, fishing, and boating. The natural beauty of the area attracts nature lovers and families looking for recreational spots.
Chemin du Lac: This scenic road is lined with charming cottages and homes, providing a peaceful residential atmosphere. It’s a popular spot for those looking to retire or enjoy weekends away from the city, with access to beautiful lake views.
Montagne de l’Erable: Known for its hilly terrain and wooded areas, this neighborhood is ideal for hiking and outdoor activities. It attracts nature enthusiasts and those interested in winter sports during the colder months.
Saint-Charles: A friendly and welcoming area characterized by its community spirit and family-oriented environment. Residents enjoy local parks and participate in community events, making it a tight-knit neighborhood.
Lac Supérieur: Located further from the center, this area offers a more secluded setting with beautiful lakeside properties. It’s popular among those seeking tranquility and a connection to nature, as well as for vacation homes.

Illustration of Saint-Alphonse-Rodriguez, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Alphonse-Rodriguez, 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 Saint-Alphonse-Rodriguez?
- How have housing prices in Saint-Alphonse-Rodriguez changed over recent years?
- What are the main sources of employment and income in Saint-Alphonse-Rodriguez?
- What financial assistance programs are available for residents facing economic challenges in Saint-Alphonse-Rodriguez?
- How does the cost of utilities in Saint-Alphonse-Rodriguez compare to other towns in Quebec?
- What is the average household income in Saint-Alphonse-Rodriguez?
- How is the local economy of Saint-Alphonse-Rodriguez expected to evolve in the next five years?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in the Lanaudière region of Quebec, this small municipality covers an area of 97.54 km² and has a population of approximately 3,588 residents as of 2024. The community has demonstrated growth over the years, with an increase from 2,874 in 2002. The area offers a blend of natural beauty and outdoor activities, thanks to its picturesque landscape, including forests and waterways, making it a popular spot for nature enthusiasts. The population is predominantly French-speaking, and many residents are engaged in local industries, as well as commuting to nearby urban centers for work.
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!