Saint-Jean-Port-Joli

Debt Solutions & Consumer Proposals

Saint-Jean-Port-Joli, debt relief, Quebec

Saint-Jean-Port-Joli, a picturesque community in Quebec, faces significant economic challenges. With limited job opportunities and high living costs, residents often struggle to manage budgets and meet basic needs. The scarcity of financial services complicates debt relief efforts. As the population ages and healthcare costs rise, many seek solutions like debt management or consolidation to alleviate financial stress.

City: Saint-Jean-Port-Joli
Province/Territory: Quebec (QC), Canada
Est. Population: 3,304

Financial Challenges

Residents of Saint-Jean-Port-Joli often find it hard to make enough money because there aren’t many job opportunities in the area. Many people have to travel to other towns for work, which can be expensive and time-consuming. Additionally, the jobs that are available may not pay enough to cover all the basic needs, making it difficult for families to manage their budgets.

Living in Saint-Jean-Port-Joli can also be challenging because the cost of housing and daily expenses might be high compared to the income people earn. With a growing number of older adults, there are more healthcare costs, which can add to financial stress. Limited access to banks and financial services in the town means that getting help with money problems is harder, leaving many residents struggling to find ways to improve their financial situation.

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 Planning

Debt 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 Management

Debt 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 Consolidation

Debt 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 Settlement

Consumer 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 Proposals

Bankruptcy

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


Saint-Jean-Port-Joli landscape with serene scenery representing debt relief solutions in a picturesque setting.

*Illustration of Saint-Jean-Port-Joli, Quebec

Debt Data

This table includes estimates on the number of residents who are experiencing financial stress situations. You are not alone.

ItemDescriptionEstimated
Living paycheck to paycheckNumber of residents who are living paycheck to paycheck1,553
Living in povertyNumber of residents who are living in poverty367
Debt defaultedNumber of residents who have defaulted on a debt payment36
InsolvenciesNumber of residents who filed for insolvency8
Consumer proposalNumber of residents who filed for a consumer proposal6
Personal bankruptcyNumber of residents who filed for personal bankruptcy2

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!

Write off up to 80% of your debts Reduce debts into one affordable monthly payment Stop all collections calls No interest and charges (completely frozen) Government-legislated debt relief programs

Areas / Neighbourhoods

  • Centre-ville
    The heart of Saint-Jean-Port-Joli, this area features charming local shops, cafés, and restaurants. It’s known for its lively atmosphere, particularly during festivals and local events, making it a great spot for both residents and visitors.

  • Les Écureuils
    This residential neighborhood is characterized by its quiet streets and family-friendly environment. With close proximity to parks and recreational areas, it’s ideal for those seeking a peaceful living space while still being near the town’s amenities.

  • Le Bord de Mer
    Located along the waterfront, this scenic area offers stunning views of the St. Lawrence River. Popular for its walking trails and beautiful outdoor spaces, it’s a favorite among nature enthusiasts and those looking to relax by the water.

  • Saint-Jean-de-Dieu
    This neighborhood features a mix of residential homes and local businesses. It has a strong sense of community and hosts various events throughout the year, promoting local culture and traditions.

  • Rue Principale
    As one of the main thoroughfares in Saint-Jean-Port-Joli, this street is lined with shops and services catering to the daily needs of the residents. It’s a bustling part of town where community life thrives and social interactions flourish.

  • La Cité
    A newer development in the area, La Cité offers modern homes and amenities. It attracts younger families and professionals looking for contemporary living spaces close to nature and community facilities.

Saint-Jean-Port-Joli landscape with serene scenery representing debt relief solutions in a picturesque setting. Debt solutions available.

Illustration of Saint-Jean-Port-Joli, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Saint-Jean-Port-Joli, Canada to help understand the financial requirements for different living situations.

ItemDescriptionAverage 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 PriceAverage price to purchase a home$502,000
UtilitiesMonthly 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

  1. What is the current cost of living in Saint-Jean-Port-Joli compared to nearby cities?
  2. How has the economic outlook in Saint-Jean-Port-Joli changed in recent years?
  3. What are the average housing prices and rental rates in Saint-Jean-Port-Joli?
  4. What financial assistance programs are available for residents facing financial challenges in the area?
  5. How do local wages in Saint-Jean-Port-Joli compare to the cost of living?
  6. What is the unemployment rate in Saint-Jean-Port-Joli and how does it impact the local economy?
  7. Are there significant economic sectors driving growth in Saint-Jean-Port-Joli that could affect job opportunities?

If you have a question about debt see our debt related question or ask your own debt related question.

Overview

Saint-Jean-Port-Joli is a charming community located along the St. Lawrence River in Quebec, known for its artistic heritage and beautiful natural scenery. The town has an estimated population of around 3,327 people, with a rich history tied to shipbuilding and wood carving. This area is celebrated for its cultural landscape, which includes galleries, festivals, and exceptional craftsmanship, particularly in sculpture and pottery. The close-knit community also boasts outdoor activities such as hiking, cycling, and exploring the surrounding parks, making it a delightful spot for nature lovers and those interested in local arts.



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!

Write off up to 80% of your debts
Reduce debts into one affordable monthly payment
Stop all collections calls
No interest and charges (completely frozen)
Government-legislated debt relief programs