Saint-Pie

Expert Consumer Proposals & Debt Relief Solution

Saint-Pie, debt relief, Quebec

Saint-Pie, Quebec, a small town with a population of 5,847, offers a rural charm but poses financial challenges for residents. Limited job opportunities and high housing costs strain incomes, making it difficult for individuals to manage everyday expenses. Those facing financial hardship may seek debt relief options, such as consumer proposals and credit counselling, to navigate their financial struggles.

City: Saint-Pie
Province/Territory: Quebec (QC), Canada
Est. Population: 5,438

Financial Challenges

Living in Saint-Pie, Quebec can be difficult for people who have money problems. The town has about 5,800 residents, and there might not be many job opportunities available. This makes it hard to earn enough money to cover everyday expenses like food, transportation, and bills. Without enough jobs, people might struggle to find steady work, which can lead to financial stress.

Additionally, the cost of housing in Saint-Pie can take up a large part of someone’s income. Even though it’s a smaller town, paying for rent or a mortgage might leave little money for other needs. If someone faces unexpected expenses or loses their job, it can be very challenging to keep up with payments. Limited access to financial help and support services can make it harder for people to manage their money and overcome debt.

Debt Relief Solutions Available

Financial Planning

You are creating a detailed plan to manage your finances, including budgeting, setting financial goals, and saving for future needs. It's about gaining control over your money, making informed decisions, and reducing the likelihood of new debt.

Find out more about Financial Planning

Debt Management Plan

Pay off your debt through consolidated payments and sometimes lower interest rates. In a Debt Management Plan (DMP), a credit counselor works with creditors to negotiate terms that make your debt more manageable, resulting in a single monthly payment.

Find out more about Debt Management

Debt Consolidation

Combine multiple debts, such as credit card balances and personal loans, into a single loan with a lower interest rate. This can simplify your payment process and reduce the total interest charges over time, making it easier to pay down your debt.

Find out more about Debt Consolidation

Debt Settlement

Negotiate with your creditors to reduce the amount you owe in exchange for a reduced lump-sum payment. Creditors are willing to write off the debt because they receive immediate payment. Typically, these negotiations are handled by debt settlement companies.

Find out more about Debt Settlement

Consumer Proposal

A consumer proposal is a legally binding agreement between you and your creditors to repay a portion of your debt over an extended period. Administered by an LIT, the proposal will outline a fixed monthly payment plan you can afford.

Find out more about Consumer Proposals

Bankruptcy

Personal bankruptcy is a legal process that relieves individuals who cannot repay their debts. It involves erasing most of your unsecured debts and giving you a fresh financial start, but it also has a long-term impact on your credit rating.

Find out more about Bankruptcy


Saint-Pie community event on debt relief, showcasing local resources for financial assistance.

*Illustration of Saint-Pie, 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 paycheck2,556
Living in povertyNumber of residents who are living in poverty604
Debt defaultedNumber of residents who have defaulted on a debt payment59
InsolvenciesNumber of residents who filed for insolvency14
Consumer proposalNumber of residents who filed for a consumer proposal10
Personal bankruptcyNumber of residents who filed for personal bankruptcy3

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-Pie, Centre-ville is known for its charming downtown area featuring local shops, restaurants, and cafes. It serves as a hub for community events and activities, making it a lively place for both residents and visitors.

  • Le Parc des Écores
    This neighborhood is centered around the park of the same name, which offers green spaces for leisure and recreation. It’s a great place for families to enjoy outdoor activities, picnics, and playgrounds, fostering a friendly community atmosphere.

  • Rue Principale
    A crucial thoroughfare in Saint-Pie, Rue Principale hosts a variety of services, including grocery stores, boutiques, and dining options. Its accessibility and visibility make it a popular area for shopping and socializing.

  • Les Residences de la Rivière
    This residential area overlooks the nearby river, providing picturesque views and a serene environment. It offers a quieter lifestyle, appealing to families and retirees looking for a peaceful community.

  • Domaine de la Vallée
    An attractive suburban neighborhood, Domaine de la Vallée features modern homes and well-maintained landscaping. It is popular among those seeking a blend of comfort and convenience, with easy access to local amenities.

  • Quartier des Sportifs
    Known for its recreational facilities, this area focuses on promoting an active lifestyle. With sports fields, gymnasiums, and community centers, it attracts those interested in fitness and sports activities.

  • Secteur de la Gare
    This neighborhood is characterized by its proximity to the train station, making it appealing for commuters. It features a mix of residential and commercial spaces, providing convenience for those who travel to nearby larger cities.

Saint-Pie community event on debt relief, showcasing local resources for financial assistance. Debt solutions available.

Illustration of Saint-Pie, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Saint-Pie, 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-Pie, Quebec?
  2. How do housing prices in Saint-Pie compare to other cities in Quebec?
  3. What is the average income level for residents of Saint-Pie?
  4. Are there any financial assistance programs available for low-income families in Saint-Pie?
  5. How has the economic outlook for Saint-Pie changed in recent years?
  6. What are the typical living expenses (utilities, transportation, groceries) for a family in Saint-Pie?
  7. What industries are the main employers in Saint-Pie and how do they affect local job availability?

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

Overview

Located in Quebec, this small town has a population of 5,847 as of the 2021 Census and is known for its rural charm and community spirit. Following a merger with the Parish of Saint-Pie in 2003, the town grew both in size and population, which has contributed to its development. The area is characterized by its serene landscapes and is primarily supported by agriculture and small businesses, creating a close-knit environment where residents often engage in local activities and events. With over 2,400 homes, the community also offers a mix of recreational opportunities, making it a peaceful place for families and individuals.



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