Saint-Lazare

Personal Bankruptcy and Debt Solutions

Saint-Lazare, debt help, Quebec

Saint-Lazare, in Quebec’s Montérégie region, offers a serene residential lifestyle with parks and trails but faces financial challenges. Rising costs, including a 4.45% property tax hike and increased utility bills, strain family budgets. While the job market is stable, slow economic growth limits opportunities, making debt relief options essential for residents dealing with these financial pressures.

City: Saint-Lazare
Province/Territory: Quebec (QC), Canada
Est. Population: 22,354

Financial Challenges

Living in Saint-Lazare means dealing with higher costs every month. Property taxes have gone up by 4.45%, which can add about $13 more each month for a typical family. On top of that, water bills have increased from $250 to $275 per household, and trash pickup costs are now $180 instead of $165. There’s also a new $40 pool tax that families have to pay. All these extra expenses can make it hard to keep up if money is tight.

Working in Saint-Lazare can also be challenging when money is a concern. The local economy is growing slowly, which means there might not be as many new job opportunities. Even though the job market is strong, higher costs for things like housing and utilities make it harder to save money. Plus, because most of the city’s money goes to important services, there aren’t many ways to lower other costs. This combination of higher expenses and limited economic growth makes living and working in Saint-Lazare tough for those struggling with money.

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-Lazare debt relief meeting with financial advisors discussing repayment options.

*Illustration of Saint-Lazare, 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 paycheck10,506
Living in povertyNumber of residents who are living in poverty2,481
Debt defaultedNumber of residents who have defaulted on a debt payment244
InsolvenciesNumber of residents who filed for insolvency56
Consumer proposalNumber of residents who filed for a consumer proposal42
Personal bankruptcyNumber of residents who filed for personal bankruptcy13

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

  • Sainte-Angélique: This area is known for its picturesque countryside, spacious lots, and a close-knit community feel. It features a mix of residential homes, parks, and local amenities, making it a popular choice for families.

  • Saint-Lazare Village: The heart of Saint-Lazare, this village area offers a charming blend of shops, cafes, and services. It hosts various community events throughout the year, promoting a vibrant, small-town atmosphere.

  • Champs-Fleuris: A tranquil neighbourhood characterized by its expansive green spaces and flower-filled gardens. It appeals to nature lovers and those seeking a serene living environment while still having access to local conveniences.

  • Hameau du Ruisseau: This upscale community is known for its beautiful homes and luxurious living. With its well-maintained streets and proximity to parks, it attracts families looking for a higher quality of life.

  • Les Jardins de Saint-Lazare: A newer residential development that features modern homes and a family-friendly environment. It’s conveniently located near schools and recreational facilities, ideal for growing families.

  • Cité des Jardins: Known for its lush landscaping and community-oriented layout, this area offers a peaceful residential vibe with access to trails and green spaces, perfect for outdoor enthusiasts.

  • Lac des Deux Montagnes: While technically not a neighborhood, this area offers picturesque waterfront living with stunning views and recreational opportunities such as boating and fishing, attracting those seeking a scenic lifestyle.

Saint-Lazare debt relief meeting with financial advisors discussing repayment options. Debt solutions available.

Illustration of Saint-Lazare, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Saint-Lazare, 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 average cost of living in Saint-Lazare, Quebec?
  2. How does the housing market in Saint-Lazare compare to nearby municipalities?
  3. What are the job prospects and economic outlook for residents of Saint-Lazare?
  4. Are there any specific financial challenges faced by residents of Saint-Lazare?
  5. What are the average utility costs in Saint-Lazare?
  6. How do property taxes in Saint-Lazare affect residents’ financial situations?
  7. What resources are available for financial assistance or budgeting advice for Saint-Lazare residents?

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

Overview

Located in the Montérégie region of Quebec, this town is known for its beautiful natural surroundings, including numerous parks and trails that offer outdoor activities like hiking and cycling. The area is primarily residential, with a mix of single-family homes and green spaces that promote a peaceful lifestyle. Its community-focused atmosphere is highlighted by local events and recreational facilities that cater to families and residents of all ages. The town’s proximity to larger urban centers allows residents to enjoy both a serene environment and access to metropolitan amenities.



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