Sainte-Marie
Expert Debt Relief & Consumer Proposal Help
Sainte-Marie, debt help, Quebec
Sainte-Marie, Quebec, is a small city rich in history and community spirit but faces significant financial challenges. Rising housing costs, inflation in everyday expenses, and a slow-growing local economy limit job opportunities. For residents struggling with money issues, these factors complicate financial management, highlighting the need for debt relief solutions like consumer proposals and credit counseling.
City: Sainte-Marie
Province/Territory: Quebec (QC), Canada
Est. Population: 13,134
Financial Challenges
Living in Sainte-Marie, Quebec can be tough if you’re having money problems. The cost of housing has gone up a lot, with rents getting steeper and there aren’t many homes available. This makes it hard to find an affordable place to live. On top of that, prices for everyday things like groceries and utilities are higher because of inflation, which means your money doesn’t go as far as it used to.
Working in Sainte-Marie also has its challenges. The local economy is growing slowly, so there aren’t as many job opportunities as people would like. This can make it difficult to earn enough money to cover expenses. Additionally, with high healthcare and education costs, residents might find it hard to keep up with bills and save money for the future. All these factors together make managing finances in Sainte-Marie a real struggle for those already facing money issues.
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 PlanningDebt 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.
Find out more about Debt ManagementDebt 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 ConsolidationDebt 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.
Find out more about Debt SettlementConsumer 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 ProposalsBankruptcy
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
*Illustration of Sainte-Marie, Quebec
Debt Data
This table includes estimates on the number of residents who are experiencing financial stress situations. You are not alone.
Item | Description | Estimated |
---|---|---|
Living paycheck to paycheck | Number of residents who are living paycheck to paycheck | 6,173 |
Living in poverty | Number of residents who are living in poverty | 1,458 |
Debt defaulted | Number of residents who have defaulted on a debt payment | 143 |
Insolvencies | Number of residents who filed for insolvency | 33 |
Consumer proposal | Number of residents who filed for a consumer proposal | 25 |
Personal bankruptcy | Number of residents who filed for personal bankruptcy | 8 |
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!
Areas / Neighbourhoods
Centre-ville de Sainte-Marie
The downtown area is the heart of the city, offering a mix of local shops, restaurants, and cultural attractions. It features historic buildings and is home to community events throughout the year.Quartier des Rivières
Known for its picturesque views along the river, this neighborhood is popular for outdoor activities like walking and cycling. It also hosts several parks and green spaces ideal for family outings.Domaine de la Rivière
A residential area that boasts larger homes and quiet streets. It’s particularly attractive to families looking for a suburban atmosphere while still being close to the amenities of the city.Les Jardins de Sainte-Marie
This area has seen growth in recent years, featuring modern developments and a variety of services. It’s becoming a favored spot for young professionals and newcomers to the city.Vieux Sainte-Marie
The historic part of the city, known for its charming architecture and local heritage. This area is characterized by older homes, boutique shops, and small cafes, making it a delightful stroll for visitors.Saint-Joseph
A residential neighborhood that features a strong sense of community. It offers schools, parks, and recreational facilities, making it a great place for families and those seeking a tight-knit feel.Le Parc des Écores
This area is renowned for its beautiful natural parks and trails. It’s perfect for nature lovers and outdoor activities, including hiking and wildlife observation, providing a serene escape from urban life.

Illustration of Sainte-Marie, Quebec, Canada
Cost of Living
This table provides a breakdown of various average cost-of-living expenses in Sainte-Marie, Canada to help understand the financial requirements for different living situations.
Item | Description | Average 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 Price | Average price to purchase a home | $502,000 |
Utilities | Monthly 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
- What is the average cost of living in Sainte-Marie, Quebec?
- How does the housing market in Sainte-Marie compare to other cities in Quebec?
- What are the main financial challenges faced by residents of Sainte-Marie?
- Are there job opportunities in Sainte-Marie and what industries are growing?
- How does the economic outlook for Sainte-Marie look for the next five years?
- What are the average salaries for common professions in Sainte-Marie?
- How do taxes in Sainte-Marie compare to other areas in Quebec?
If you have a question about debt see our debt related question or ask your own debt related question.
Overview
Sainte-Marie is a small city located in Quebec, Canada, known for its rich history and community spirit. It is situated in the Chaudière-Appalaches region, surrounded by beautiful scenery that includes hills and rivers. The city offers a mix of cultural events, recreational activities, and local businesses, creating a friendly atmosphere for residents and visitors alike. Key attractions include parks and historical sites that reflect the area’s heritage. The city also hosts various festivals throughout the year, bringing people together to celebrate and enjoy local traditions.
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!