Christains Against Poverty
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How CAP’s Service Works
The information below is a brief resume of CAP’s services, for full details please visit the CAP website by following the link to their web site above.
1 - Home visit
After you call CAP, a Debt Coach and Support Worker from the local CAP Debt Centre will visit you in your own home.
2 - An effective budget
Our trained debt counsellors will work out a realistic budget that prioritises your essential bills. Your local Debt Coach will then visit you again to explain the budget, any options or choices you may have in terms of working your way out of debt, and what payments you need to make. Our CAP HQ team will then negotiate affordable payments with each creditor and stop unfair interest and charges where possible.
3 - CAP Account
If you choose to work with us, a CAP Account is set up for you. This acts like a simple bank account and can be used to pay your regular bills and debts. 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 to your creditors on your behalf. You can also make savings in your CAP Account.
4 - Severe debt
If you are in severe debt then we can walk you through insolvency options, such as petitioning for bankruptcy. We can help you to fill out the forms and even attend court with you.
5 - Debt free
You will use your CAP Account to pay your bills and debt repayments and you will be supported by CAP until you are debt free.