Saint-Gabriel-de-Valcartier
Trusted Debt Relief Services
Saint-Gabriel-de-Valcartier, debt relief, Quebec
Saint-Gabriel-de-Valcartier, near Quebec City, boasts a population of around 3,393 and offers a scenic environment with recreational activities. However, residents face financial challenges due to limited job opportunities and high housing costs, impacting their ability to manage expenses. Accessing affordable services is tough, making debt relief options like debt consolidation and credit counseling essential for residents in need.
City: Saint-Gabriel-de-Valcartier
Province/Territory: Quebec (QC), Canada
Est. Population: 3,223
Financial Challenges
Residents of Saint-Gabriel-de-Valcartier who have money problems might find it difficult to cover their daily expenses. Since the town is small, there are fewer job opportunities, which can make it hard to earn enough money. Housing costs, like rent or buying a home, might be high compared to the income people receive. This can lead to stress and make it tough to save money or pay bills on time.
Additionally, accessing affordable services can be a challenge. Transportation costs might be higher if there are limited public transit options, requiring people to spend more on cars or fuel. Other expenses, such as groceries and utilities, could take up a large part of a person’s budget. These factors can make it hard for those with financial difficulties to live comfortably and manage their money effectively in Saint-Gabriel-de-Valcartier.
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-Gabriel-de-Valcartier, 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 | 1,515 |
| Living in poverty | Number of residents who are living in poverty | 358 |
| Debt defaulted | Number of residents who have defaulted on a debt payment | 35 |
| 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
Village de Saint-Gabriel-de-Valcartier
The heart of the municipality, this area features quaint local shops, essential services, and community centers. It’s known for its picturesque streets and strong local community spirit.Côte de Saint-Gabriel
A peaceful residential area characterized by its scenic views of the surrounding landscapes, including hills and forests. The homes here offer a semi-rural atmosphere while remaining close to village amenities.Les Grands-Moulins
A historical site with remnants of old mills, this area is of interest for those who appreciate historical architecture and local heritage. It often hosts community events, making it a lively spot for residents.Parc de la Vallée
A recreational area that offers outdoor activities such as hiking and biking trails. It’s popular among families and outdoor enthusiasts, providing green space for picnics and gatherings.Campus du Mont-Valin
Located near the ski slopes, this area attracts winter sports enthusiasts. It’s a hub for skiing and snowboarding in the winter and offers beautiful landscapes throughout the year for various outdoor activities.Route de la Plage
This area is known for its proximity to water features, providing opportunities for fishing and recreational activities. It is an ideal spot for nature lovers looking to enjoy the outdoors.Les Jardins de Valcartier
A newer residential development with modern homes and family-friendly amenities. This neighborhood is designed to offer a contemporary living experience, blending nature with suburban convenience.

Illustration of Saint-Gabriel-de-Valcartier, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Gabriel-de-Valcartier, 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-Gabriel-de-Valcartier, Quebec?
- How does the economic outlook for Saint-Gabriel-de-Valcartier compare to other regions in Quebec?
- What are the common financial challenges faced by residents of Saint-Gabriel-de-Valcartier?
- What resources are available for financial assistance in Saint-Gabriel-de-Valcartier?
- How have property prices in Saint-Gabriel-de-Valcartier fluctuated in recent years?
- What is the unemployment rate in Saint-Gabriel-de-Valcartier and how does it affect the local economy?
- Are there any local initiatives aimed at improving the economic situation for residents in Saint-Gabriel-de-Valcartier?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located just outside of Quebec City, this municipality offers a picturesque environment with a population of around 3,393 residents as of 2024. Known for its natural beauty, it features recreational activities, including skiing and hiking, thanks to the surrounding landscape. The community has a young demographic, with a median age of 32.8 years, and families represent a significant portion of households. The primary language spoken is French, with most residents being Canadian-born. This charming location provides various local amenities, making it an appealing choice for those looking for a blend of community and nature.
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!