Saint-Pascal
Consumer Proposal Experts & Debt Solutions
Saint-Pascal, debt relief, Quebec
Saint-Pascal, a small city in Quebec with a population of 3,530 and a median age of 53.2, faces challenges in employment and rising living costs. The limited job market increases commuting and expenses, impacting older residents on fixed incomes. With few affordable housing options and demographic shifts, many families, including single-parent households, may struggle with debt relief and financial management.
City: Saint-Pascal
Province/Territory: Quebec (QC), Canada
Est. Population: 3,490
Financial Challenges
In Saint-Pascal, finding a good job can be tough because there aren’t many businesses. This makes the unemployment rate higher than in other parts of Quebec. Many people have to travel to nearby cities for work, which means spending more money on transportation. For those who are older and on fixed incomes, it can be hard to keep up with rising costs. With a median age of over 53, there are more retirees who might need extra help managing their finances.
Living costs in Saint-Pascal can also be a challenge. Because the town is small and spread out, things like groceries, utilities, and services can be more expensive compared to bigger cities. Housing options are limited, so people might struggle to find affordable homes. Families without children and single-parent households may find it harder to save money or handle unexpected expenses. All these factors make it difficult for residents who are already having money problems to make ends meet.
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-Pascal, 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 | 1,640 |
| Living in poverty | Number of residents who are living in poverty | 387 |
| Debt defaulted | Number of residents who have defaulted on a debt payment | 38 |
| 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
Centre-Ville: The downtown area of Saint-Pascal features a blend of historical charm and modern conveniences, with local shops, cafes, and restaurants lining the streets. It serves as a cultural hub and hosts various community events.
Quartier Saint-Jean-Baptiste: This residential neighborhood is known for its family-oriented atmosphere, parks, and recreational facilities. It’s a popular area for those looking for a quieter lifestyle with easy access to amenities.
Parc de la Rivière: Situated along the river, this neighborhood offers scenic views and outdoor activities. It’s ideal for nature lovers and families who enjoy spending time in parks, picnicking, and walking trails.
Secteur des Écoles: Home to several educational institutions, this area attracts families with children. It provides a vibrant community environment and various facilities, including sports fields and playgrounds.
Résidence du Parc: This area is notable for its beautiful residential properties and community gardens. It offers a peaceful retreat with a sense of community, making it attractive for retirees and those seeking tranquility.
Chemin des Lacs: A picturesque area known for its lakefront properties, this neighborhood provides a serene environment and is popular among those who enjoy water activities. It’s ideal for vacation homes and summer retreats.

Illustration of Saint-Pascal, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Saint-Pascal, 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 current cost of living in Saint-Pascal, Quebec?
- How does the housing market in Saint-Pascal compare to other cities in Quebec?
- What are the primary economic drivers in Saint-Pascal?
- Are there any local government programs to assist residents with financial challenges?
- What is the unemployment rate in Saint-Pascal, and how does it impact the local economy?
- How do salary levels in Saint-Pascal compare to the provincial average?
- What are the available resources for financial planning and assistance for residents in Saint-Pascal?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Located in the Bas-Saint-Laurent region of Quebec, this small city has a population of around 3,530 residents as of 2024, with a median age of 53.2 years, indicating an aging demographic. The community is primarily French-speaking, and many residents are employed in local businesses, agriculture, and services. The town’s low population density of 59 inhabitants per square kilometer affects economic opportunities, leading some residents to commute to larger areas for work. The city features a mix of family structures, with a significant number of couples without children and single-parent homes, showcasing a community adjusting to changing demographics.
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!