Saint-Remi

Expert Debt Solutions & Consumer Proposal Help

Saint-Remi, debt relief, Quebec

Saint-Rémi, Quebec, offers a friendly community with rural charm and outdoor activities. However, rising property taxes and service costs challenge residents facing financial difficulties. Increased economic pressures, including higher US tariffs, affect job availability. Although local developments aim to enhance amenities, they may lead to further tax increases, adding to the debt relief needs of the community.

City: Saint-Remi
Province/Territory: Quebec (QC), Canada
Est. Population: 7,265

Financial Challenges

In Saint-Rémi, property taxes have gone up, which means homeowners have to pay more each year. Services like snow removal and police protection are also becoming more expensive. For people who are already having money problems, these extra costs can make it hard to afford everyday things like groceries and bills. Paying taxes in four installments might help, but it can still be a struggle for those with tight budgets.

On top of local costs, the economy in Quebec affects Saint-Rémi too. Higher US tariffs can lead to fewer jobs, especially in businesses that rely on trade. This makes it harder for people to find or keep work, adding to financial stress. Even though there are new projects to improve roads and parks, the increased spending can lead to higher taxes and more financial pressure on residents. All these factors together make living and working in Saint-Rémi challenging for those facing money issues.

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-Remi offering community workshops for debt relief and financial education.

*Illustration of Saint-Remi, 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 paycheck3,415
Living in povertyNumber of residents who are living in poverty806
Debt defaultedNumber of residents who have defaulted on a debt payment79
InsolvenciesNumber of residents who filed for insolvency18
Consumer proposalNumber of residents who filed for a consumer proposal14
Personal bankruptcyNumber of residents who filed for personal bankruptcy4

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 downtown area of Saint-Remi, commonly known as Centre-Ville, features local shops, cafes, and essential services. It serves as a hub for community events and social activities, making it a vibrant destination for both residents and visitors.

  • Saint-Remi-de-Nipissing
    This residential neighborhood is known for its serene environment and family-friendly atmosphere. It offers easy access to parks and recreational facilities, appealing to those seeking a quiet lifestyle while still being close to urban amenities.

  • Les Jardins de Saint-Rémi
    A modern residential development that attracts young families and professionals. The area boasts new housing developments, green spaces, and proximity to schools and shopping, fostering a sense of community and convenience.

  • Côteau-du-Lac
    Located near the waterfront, this neighborhood is popular for outdoor activities such as boating and fishing. The picturesque views of the water enhance its appeal, attracting nature lovers and those desiring a relaxed lifestyle.

  • Piedmont
    A peaceful suburban area characterized by larger lots and spacious homes. Piedmont is favored by those looking for a more rural feel while remaining within reach of urban amenities, making it a desirable place for family living.

  • Secteur du Parc
    Situated near various parks and recreational facilities, this area is ideal for active individuals and families. The presence of green spaces promotes outdoor activities, providing a wholesome environment for children and adults alike.

Saint-Remi offering community workshops for debt relief and financial education. Debt solutions available.

Illustration of Saint-Remi, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Saint-Remi, 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-Remi, Quebec?
  2. How does the housing market in Saint-Remi compare to other areas in Quebec?
  3. What are the average household incomes in Saint-Remi, and how do they vary by neighborhood?
  4. What financial assistance programs are available to residents of Saint-Remi?
  5. How has the economic outlook for Saint-Remi changed in recent years?
  6. What are the primary sources of employment and economic activity in Saint-Remi?
  7. What challenges do residents of Saint-Remi face regarding financial stability and cost of living?

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

Overview

Located in the province of Quebec, this town is known for its friendly community and picturesque surroundings. It offers a mix of rural charm and suburban amenities, making it an appealing place for families and individuals. Here, residents can enjoy outdoor activities, including parks and scenic trails, while also benefiting from local events and a supportive atmosphere. The town takes pride in its cultural heritage and features various historic sites that showcase its rich history. Additionally, it is conveniently located near major roads, providing easy access to nearby cities and attractions.



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