Sainte-Julienne

Consumer Proposal & Debt Relief Experts

Sainte-Julienne, debt relief, Quebec

Sainte-Julienne, located northeast of Montreal, offers beautiful landscapes and a community-focused lifestyle. However, residents face financial challenges due to higher taxes, healthcare costs, and limited job opportunities. These factors can make it difficult to manage debts and pay bills, emphasizing the need for effective debt relief options like consumer proposals and credit counseling to improve financial situations in the area.

City: Sainte-Julienne
Province/Territory: Quebec (QC), Canada
Est. Population: 9,331

Financial Challenges

Living and working in Sainte-Julienne can be hard for people who are having money problems. Higher taxes and costs for things like healthcare and schools make it tough to pay for everyday needs. If someone loses their job or doesn’t earn enough, finding a new job might be difficult because there aren’t many opportunities. This can make it hard to pay bills and manage debts.

Additionally, the cost of electricity might go up, which means more money spent on heating and lights. If local businesses have trouble or close down, there are even fewer jobs available. All these challenges together make it difficult for people in Sainte-Julienne to make ends meet and improve 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.

Find out more about Financial Planning

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.

Find out more about Debt Consolidation

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-Julienne debt relief services helping individuals achieve financial stability through effective solutions.

*Illustration of Sainte-Julienne, 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 paycheck4,386
Living in povertyNumber of residents who are living in poverty1,036
Debt defaultedNumber of residents who have defaulted on a debt payment102
InsolvenciesNumber of residents who filed for insolvency23
Consumer proposalNumber of residents who filed for a consumer proposal18
Personal bankruptcyNumber of residents who filed for personal bankruptcy6

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

  • Vieux Sainte-Julienne: This historic area features charming architecture and a quaint atmosphere, home to several local shops, cafes, and community events. It’s known for its picturesque streets and a sense of small-town charm.

  • Sainte-Julienne Centre: The main commercial hub with a variety of amenities including grocery stores, restaurants, and services. This area is lively and well-frequented, making it a key destination for residents and visitors alike.

  • Le Domaine des Moulins: A family-friendly neighborhood characterized by its spacious lots and modern homes. It offers a peaceful environment with easy access to parks and recreational facilities, ideal for families looking for a suburban lifestyle.

  • Secteur des Ruisseaux: Known for its natural beauty, this area features several green spaces and walking trails along the waterways. It is popular among nature enthusiasts and those looking to enjoy outdoor activities.

  • Le Quartier des Érables: This area is noted for its vibrant community atmosphere and proximity to schools and parks. It has a mix of residential housing and is particularly popular among young families and professionals.

  • Route 125 Corridor: Serving as a major thoroughfare, this neighborhood connects Sainte-Julienne to surrounding communities. It includes several commercial establishments that cater to both residents and travelers.

Sainte-Julienne debt relief services helping individuals achieve financial stability through effective solutions. Debt solutions available.

Illustration of Sainte-Julienne, Quebec, Canada

Cost of Living

This table provides a breakdown of various average cost-of-living expenses in Sainte-Julienne, 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-Julienne, Quebec?
  2. How does the real estate market in Sainte-Julienne compare to nearby towns?
  3. What are the average household incomes in Sainte-Julienne, and how do they affect financial stability?
  4. What job opportunities are available in Sainte-Julienne, and which industries are thriving?
  5. What are the major financial challenges faced by residents of Sainte-Julienne?
  6. How do local taxes in Sainte-Julienne impact residents’ finances?
  7. What is the economic outlook for Sainte-Julienne in the coming years?

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

Overview

Located about 50 kilometers northeast of Montreal, this small town is known for its beautiful landscapes, including forests, rivers, and nearby lakes. It has a mix of rural charm and suburban amenities, making it a great place for families and outdoor enthusiasts. The community hosts various events throughout the year, such as festivals that celebrate local culture and agriculture. Residents enjoy access to several parks and recreational activities, contributing to a close-knit feel among those living in the area. With a focus on sustainability, the town promotes eco-friendly practices and community involvement, making it an appealing choice for those looking for a peaceful and active lifestyle.



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