Sainte-Anne-des-Lacs

Consumer Proposal & Debt Relief Pros

Sainte-Anne-des-Lacs, debt relief, Quebec

Sainte-Anne-des-Lacs, a growing Quebec community with a population of about 4,043, faces economic challenges, including high living costs and increased property taxes. Many residents, especially seniors, struggle with financial pressures due to fixed incomes and rising healthcare expenses. The local job market is also sluggish, leading to limited opportunities, which exacerbates the community’s need for effective debt relief solutions.

City: Sainte-Anne-des-Lacs
Province/Territory: Quebec (QC), Canada
Est. Population: 3,363

Financial Challenges

Many people living in Sainte-Anne-des-Lacs face high living costs that make it hard to manage their money. As the population grows, the town needs more roads, schools, and services, which can lead to higher property taxes. For those who are retired or have fixed incomes, paying these taxes along with everyday expenses like groceries and heating can be very tough. Additionally, older residents often have extra healthcare costs that are not fully covered, adding more financial pressure.

Finding a good job can also be challenging in Sainte-Anne-des-Lacs. The local economy has seen a slowdown in service and retail jobs, which means there are fewer opportunities for people who need work. This makes it harder for families to earn enough money to cover their bills. With fewer job options and rising costs, many people in the community struggle to make ends meet and feel stressed about 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.

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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.

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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.

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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.

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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


Sainte-Anne-des-Lacs scenic view with focus on financial peace and debt relief concepts.

*Illustration of Sainte-Anne-des-Lacs, 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 paycheck1,581
Living in povertyNumber of residents who are living in poverty373
Debt defaultedNumber of residents who have defaulted on a debt payment37
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

  • Lac des Sables: A picturesque area surrounding a beautiful lake, popular for recreational activities such as swimming, boating, and fishing. The scenic views and natural surroundings make it a favored spot for both residents and visitors.

  • Village de Sainte-Anne-des-Lacs: This charming village area features a mix of residential homes and local businesses. It provides a quaint atmosphere with community events, parks, and easy access to essential services.

  • Les Terrasses: A newer residential development known for its spacious lots and modern homes. This area attracts families looking for a suburban feel while still being in proximity to nature and recreational opportunities.

  • Le chemin du Mont-Habitant: Nestled near the mountains, this area offers stunning landscapes and outdoor activities. It is a popular spot for hiking and skiing enthusiasts in the winter months, making it a year-round destination for nature lovers.

  • Lac Rond: Known for its serenity and tranquil environment, Lac Rond is a small community around a picturesque round lake. This area is perfect for those seeking a peaceful lifestyle, with opportunities for fishing and canoeing.

  • Le chemin de la Station: This area features a mix of seasonal cottages and permanent residences. It is located near various hiking trails and outdoor parks, appealing to those who enjoy a more rustic lifestyle while staying close to the natural beauty of the region.

Sainte-Anne-des-Lacs scenic view with focus on financial peace and debt relief concepts. Debt solutions available.

Illustration of Sainte-Anne-des-Lacs, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Sainte-Anne-des-Lacs, 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 are the average housing prices in Sainte-Anne-des-Lacs?
  2. How does the cost of living in Sainte-Anne-des-Lacs compare to nearby cities?
  3. What are the main sources of employment in Sainte-Anne-des-Lacs?
  4. Are there any financial assistance programs for residents in Sainte-Anne-des-Lacs?
  5. How do property taxes in Sainte-Anne-des-Lacs affect the overall cost of living?
  6. What challenges do residents face in terms of affordability and cost of living?
  7. What is the economic outlook for Sainte-Anne-des-Lacs in the next few years?

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

Overview

Located in the heart of Quebec, this parish community spans 24.65 square kilometers and has a population of approximately 4,043 people as of 2024, showing a notable increase from earlier years. The community is predominantly French-speaking, with a rich local culture and heritage reflecting its strong Canadian roots. Demographically, there is a significant percentage of residents aged 65 and older, indicating a mature population structure, while around 57% fall within the working-age group of 18 to 64 years. The area is known for its natural beauty, including picturesque landscapes and outdoor recreational activities, making it an attractive place for families and retirees alike.



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