Sainte-Catherine-de-la-Jacques-Cartier

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Sainte-Catherine-de-la-Jacques-Cartier, debt relief, Quebec

Sainte-Catherine-de-la-Jacques-Cartier, near Quebec City, offers natural scenery and recreational activities but faces challenges for low-income residents. Rising housing costs and potential tax increases for community improvements strain finances. Job availability is limited due to provincial financial issues, impacting public services like healthcare and education. Debt relief options may be crucial for those struggling financially in this growing municipality.

City: Sainte-Catherine-de-la-Jacques-Cartier
Province/Territory: Quebec (QC), Canada
Est. Population: 8,442

Financial Challenges

Living in Sainte-Catherine-de-la-Jacques-Cartier can be hard for people who don’t have much money. As more families move to the city, the prices for houses and apartments go up, making it tough to find affordable places to live. Also, the city might raise taxes to pay for new schools and roads, which means people have to spend more of their income just to keep their homes.

Finding a good job can also be a challenge. With the government in Quebec having money problems, there might be fewer jobs available and less help for those who need it. Public services like healthcare and education could have fewer resources, making it harder for people to get the support they need. All these things together make it difficult for someone with money problems to live and work comfortably in Sainte-Catherine-de-la-Jacques-Cartier.

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


scenic view of Sainte-Catherine-de-la-Jacques-Cartier with a focus on financial wellness and debt relief solutions

*Illustration of Sainte-Catherine-de-la-Jacques-Cartier, 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 paycheck3,968
Living in povertyNumber of residents who are living in poverty937
Debt defaultedNumber of residents who have defaulted on a debt payment92
InsolvenciesNumber of residents who filed for insolvency21
Consumer proposalNumber of residents who filed for a consumer proposal16
Personal bankruptcyNumber of residents who filed for personal bankruptcy5

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
    This area is the heart of Sainte-Catherine-de-la-Jacques-Cartier, featuring local shops, restaurants, and essential services. Its central location makes it a popular spot for both residents and visitors.

  • Secteur de la Chaudière
    Known for its beautiful river views and proximity to nature, this neighborhood offers a peaceful environment while still being accessible to the amenities of the city.

  • Secteur Lac des Roches
    This residential area is situated near a picturesque lake, perfect for outdoor activities such as fishing and swimming. It is highly sought after for its natural beauty and family-friendly atmosphere.

  • Parc des Chutes
    A neighborhood that includes the famous waterfalls of Sainte-Catherine, attracting both tourists and locals. The surrounding area offers a mix of recreation options and scenic walking trails.

  • Hameau de la Vallée
    A tranquil community nestled in a valley, this area is characterized by spacious homes and lush greenery, making it ideal for families looking for a quieter lifestyle.

  • Secteur du chemin de la Rivière
    This neighborhood is popular for its proximity to the Jacques-Cartier River, offering numerous outdoor recreational activities like kayaking and hiking, appealing to nature enthusiasts.

  • Secteur de la route des Lacs
    Known for its charming lakeside homes and cottages, this area is especially popular during the summer months for those looking to relax and enjoy waterfront activities.

scenic view of Sainte-Catherine-de-la-Jacques-Cartier with a focus on financial wellness and debt relief solutions Debt solutions available.

Illustration of Sainte-Catherine-de-la-Jacques-Cartier, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Sainte-Catherine-de-la-Jacques-Cartier, 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 Sainte-Catherine-de-la-Jacques-Cartier?
  2. How does the job market in Sainte-Catherine-de-la-Jacques-Cartier compare to nearby cities?
  3. What are the average housing prices in Sainte-Catherine-de-la-Jacques-Cartier?
  4. What financial assistance programs are available for residents in Sainte-Catherine-de-la-Jacques-Cartier?
  5. How do property taxes in Sainte-Catherine-de-la-Jacques-Cartier affect residents’ budgets?
  6. What are the main economic drivers in Sainte-Catherine-de-la-Jacques-Cartier?
  7. Are there any local initiatives aimed at improving financial literacy among residents in Sainte-Catherine-de-la-Jacques-Cartier?

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

Overview

Sainte-Catherine-de-la-Jacques-Cartier is a picturesque municipality located about 25 kilometers northeast of Quebec City, nestled along the banks of the Jacques-Cartier River. Known for its beautiful natural scenery and outdoor recreational opportunities, the area is popular for activities like hiking, skiing, and camping. The town has experienced significant growth, with its population increasing rapidly in recent years, particularly among families with young children. This growth is reflected in community investments, such as the recent relocation of the local library to better serve the needs of residents. Additionally, environmental conservation efforts, including projects in the Great Jacques-Cartier Bog, aim to preserve the area’s natural beauty while promoting eco-tourism.



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