Get help
Christians Against Poverty is a national debt
counselling charity with a network of centres across the
UK.
FIND YOUR
LOCAL CAP CENTRE BY POSTCODE SEARCH:
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If we do not have a centre in your area click here to discover other options that
may be available to you.
Because we visit people in their home, we can only help those who live within a certain distance of a CAP Centre.
STEP BY STEP GUIDE TO HOW WE HELP
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1. HOME VISIT
If you live in a postcode covered by a CAP Centre (use
the postcode search at the top of the page to find this out), phone the
freephone number. After you call CAP, a Debt Coach and Support Worker from the local CAP Centre will visit you in your own home.
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2. AN EFFECTIVE BUDGET
A realistic budget is then worked out at CAP HQ by prioritising your essential bills, negotiating affordable payments with each creditor and stopping unfair interest and charges where possible. The local Debt Coach will then visit you again to explain the budget and the payments you will need to make.
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3.
CAP ACCOUNT
A CAP Account is then set up for you. This acts like a simple bank account. You will need to make one weekly or monthly payment into your account to cover all of your bills and debts. CAP will then distribute this on your behalf. You can also make savings in your CAP Account.
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4. INSOLVENCY / BANKRUPTCY
If you are in severe debt then we can walk you through insolvency, like petitioning for bankruptcy. We can help you to fill out the forms and even attend court with you.
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5. DEBT FREE AND BEYOND
You will use your CAP Account to pay your bills and debt repayments and you will be supported by a team at CAP HQ until you are debt free. You may keep your CAP Account even after you are debt free.
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More details? – Click here to read some frequently asked questions.
