Saint-Ambroise-de-Kildare
Debt Help & Consumer Proposals
Saint-Ambroise-de-Kildare, debt relief, Quebec
Saint-Ambroise-de-Kildare, Quebec, is experiencing demographic growth but faces significant financial challenges, particularly among its older population. With rising living costs, healthcare expenses, and an increasingly difficult job market, many residents struggle to manage finances. Despite an average household income of $78,000, inflation and trade issues amplify these challenges, highlighting the need for effective debt relief solutions.
City: Saint-Ambroise-de-Kildare
Province/Territory: Quebec (QC), Canada
Est. Population: 3,747
Financial Challenges
Many people living in Saint-Ambroise-de-Kildare face financial challenges because a significant number of residents are older. This means there are higher costs for healthcare and retirement, making it hard for some families to manage their money. Even though the average household earns $78,000, rising living costs and inflation can make it difficult for those already struggling to pay bills and save.
Additionally, the job market in Quebec is getting tougher, with unemployment rates expected to rise. This makes it harder for people in Saint-Ambroise-de-Kildare to find or keep jobs, worsening their financial problems. Trade issues with the United States also affect local businesses, leading to fewer job opportunities and lower incomes for workers. All these factors together create a tough financial situation for those trying to live and work in the community.
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-Ambroise-de-Kildare, 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 | 1,761 |
Living in poverty | Number of residents who are living in poverty | 416 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 41 |
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
Saint-Ambroise Village
The heart of the municipality, Saint-Ambroise Village features charming residential streets and local amenities, making it a close-knit community where residents enjoy a small-town atmosphere.Lac à la Truite
This picturesque area is ideal for nature lovers and water enthusiasts, known for its scenic lake and recreational activities such as fishing, kayaking, and picnicking along its shores.Montée Kildare
A residential neighborhood characterized by its peaceful surroundings and proximity to green spaces, Montée Kildare offers spacious properties and a family-friendly environment.Chemin du Canal
Situated near the historic canal, this area boasts scenic views and walking trails, attracting outdoor enthusiasts and those interested in local history.Route 131 Corridor
This main thoroughfare features a mix of commercial and residential spaces, serving as a convenient route for locals and providing access to essential services and businesses.

Illustration of Saint-Ambroise-de-Kildare, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Ambroise-de-Kildare, 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-Ambroise-de-Kildare, Quebec?
- What are the main sources of employment and income in Saint-Ambroise-de-Kildare?
- How does the housing market in Saint-Ambroise-de-Kildare compare to nearby cities?
- What financial assistance programs are available for residents of Saint-Ambroise-de-Kildare?
- What challenges do residents of Saint-Ambroise-de-Kildare face in terms of financial stability?
- What is the economic outlook for Saint-Ambroise-de-Kildare in the coming years?
- What are the typical expenses for families living in Saint-Ambroise-de-Kildare?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in Quebec, this small community has a growing population, with around 4,549 residents projected by 2024, up from 4,280 in 2022. The demographic is predominantly French-speaking, with a median age of 42.8 years, indicating a slight aging trend. The area features a mix of families and older adults, with about 20.7% of the population aged 65 and over. Local culture thrives through community events and recreational activities, while the surrounding natural beauty enhances outdoor experiences. Overall, this location provides a tranquil environment balanced with community spirit for its residents.
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!