Frequently Asked Questions

There are a few different circumstances which mean our debt service may not be suitable for you, including if you’re self-employed as described above, you’ve got no income or you’ve already got an IVA. 

Take a look at our eligibility criteria to see if you qualify for our debt service.

Unfortunately, if you are self-employed our debt service will be unsuitable for you, as this is an area of debt advice we do not specialise in. 

If you have been previously self-employed and the business is completely wound down, we will be able to support you with any debts you are personally liable for if you meet our other criteria too.

We advise contacting another organisation like Business Debtline or PayPlan if you’re self-employed.

Find other organisations we recommend here.

All our services are completely free! We are able to provide free services because CAP is a charity. We’re funded through donations from churches and individuals who want to help people and these donations help us provide our free, accredited debt advice service.

No. CAP will help anyone regardless of their religious beliefs.

CAP is committed to our services being accessible and inclusive. We support people from all faiths. We do not discriminate by age, gender reassignment, being married or in a civil partnership, being pregnant or on maternity leave, disability, race, religion or belief, sex or sexual orientation.

No. You may access our debt help service no matter how much debt you have.

Unfortunately we are not able to provide emergency assistance such as gas and electric top ups or help with food or household items if you are not receiving help from us through our debt service. 

We may be able to provide some advice or emergency assistance to clients who are already receiving help through our debt service, but this is on a case by case basis. 

If you need help accessing food, you may be able to get some emergency food items at your local food bank. Find out how you can access your local food bank.

If you need support with gas and electric top ups, your local council may be able to help you get a fuel voucher. You could visit the Fuel Bank Foundation if you’re located in England, Wales or Scotland. If you’re located in England, Wales or Northern Ireland you could also visit National Energy Action for advice.

If you’re a CAP client, ask your Debt Coach for advice. 

Find out how you can get other support here.

Unfortunately we are not able to provide grants or financial assistance.

If you are a church looking to open a CAP service and research what funding is available, have a read of our church partnership pages.