Saint-Calixte
Consumer Proposal & Debt Help for Freedom
Saint-Calixte, debt relief, Quebec
Saint-Calixte, Quebec, with a population of 6,792, faces challenges related to rising housing costs and limited job opportunities, especially for non-French speakers. The community’s average age of 44.5 may contribute to fewer employment options. Financial struggles can lead to stress, highlighting the need for effective debt relief solutions such as debt management and credit counselling for residents.
City: Saint-Calixte
Province/Territory: Quebec (QC), Canada
Est. Population: 5,934
Financial Challenges
Living in Saint-Calixte can be hard if you don’t have much money. As more people move to the city, the cost of renting or buying a home goes up. This makes it tough to afford a place to live. Also, with the average age being higher, there might be fewer job opportunities, which can make it difficult to find work that pays enough.
When you work in Saint-Calixte and have money problems, you might face other challenges too. Most people speak French, so if you’re not fluent, finding a good job can be harder. Additionally, there may be limited access to banks and financial services, making it difficult to get help or manage your money. These issues can make everyday life stressful for those struggling financially in the city.
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-Calixte, 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 | 2,789 |
Living in poverty | Number of residents who are living in poverty | 659 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 65 |
Insolvencies | Number of residents who filed for insolvency | 15 |
Consumer proposal | Number of residents who filed for a consumer proposal | 11 |
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
Centre-ville de Saint-Calixte
The central area of Saint-Calixte features a blend of local shops, cafes, and community services. It serves as a focal point for events and gatherings, enhancing the small-town charm.Les Habitations de la Vallée
This residential neighborhood offers a variety of housing options and is known for its friendly atmosphere. It’s a great area for families, featuring parks and recreational facilities.Suburban Saint-Calixte
Characterized by more spacious properties and green spaces, this suburban area attracts those seeking a quieter lifestyle while still being connected to the amenities of the town.Le Parc Sarah-Vanasse
Located near the heart of the town, this park is popular for its recreational facilities, walking trails, and picnic areas. It serves as a community hub for families and outdoor enthusiasts.Village de Saint-Calixte
This area embodies the historical roots of the community, with quaint architecture and local heritage. It often hosts community events that celebrate the culture and history of Saint-Calixte.

Illustration of Saint-Calixte, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Calixte, 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-Calixte, Quebec?
- How do housing prices in Saint-Calixte compare to nearby cities?
- What is the unemployment rate in Saint-Calixte, and how has it changed over recent years?
- Are there any local resources available for financial assistance for residents of Saint-Calixte?
- What are the common financial challenges faced by residents in Saint-Calixte?
- How is the economic outlook for Saint-Calixte over the next few years?
- What types of job opportunities are available in Saint-Calixte, and what are their average salaries?
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 town covers an area of about 142.63 square kilometers and is home to around 6,792 residents as of 2021. The community has experienced significant growth, increasing by 12.3% since 2016. Most of the population speaks French as their first language, making up 93.2% of the residents, while the average age is approximately 44.5 years. The area features a mix of natural landscapes like forests and rivers, providing recreational opportunities such as hiking, fishing, and skiing, which are popular among locals and visitors alike. The community also supports various educational institutions, including both Francophone and Anglophone schools, contributing to its family-friendly environment.
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!