Man with his phone next to his ear and smiling broadly while looking down at his table, holding paperwork.
No matter how large or small your problem is, we can help. Our free, expert debt help will advise on the best route out of debt, and offer different types of support to help you become debt free. 

The first step is often the hardest, but it’s really worth it. Asking for help can be daunting, particularly for many people who have reached a crisis point before calling to book an appointment.

Our friendly New Enquiries team is the first port of call. We’d love to listen to you and see how we can help get you started on your journey out of debt.

Find your local CAP Debt Help

In the past when I was all on my own, I thought that there was never any hope and it was always dark. Now I’m living a brighter, bigger, more colourful life. 

Sharon, now debt free 

Routes out of debt

There are many different routes to get out of debt. We’ll help you understand your options and choose the best route for you to become debt free.

Debt Management Plan

Available in: Scotland, England, Northern Ireland, Wales.

Many people choose to repay their debts over time, with CAP’s help. We can set up payment arrangements with your creditors and distribute the payment that you make each month.

Creating a Debt Management Plan with CAP

Debt Relief Order (DRO)

Available in: England, Northern Ireland, Wales.

This is for people with a low income and a low level of debt, and many debts can be cleared this way. We can help you with the application and submit it for you.

Applying for a DRO with CAP

A coin with a cross over it

Bankruptcy (Sequestration in Scotland)

Available in: England, Northern Ireland, Wales, Scotland.

This legal process results in your debts being written off. CAP will explain the consequences of bankruptcy and give you advice about your particular situation.

Going through bankruptcy

Minimal Asset Process (MAP)

Available in: Scotland

This is a version of bankruptcy, typically for those receiving benefits or lower incomes, with relatively small amounts of debt. CAP will check that you qualify for this before helping you with the application and submitting it for you.

Going through a Minimal Asset Process with CAP

Protected Trust Deed

Available in: Scotland

This is a legally binding agreement between you and your creditors. You make regular payments for a fixed time, after which your remaining debts will be written off. CAP can check if this is a suitable option and find an appropriate agency to create this for you.

Creating a Protected Trust Deed

Individual Voluntary Arrangements (IVA)

Available in: England, Northern Ireland, Wales.

This is an agreement with your creditors to pay towards your debts for a period of five to six years. After this time, the remainder of your debts will be written off.

Applying for an Individual Voluntary Arrangement (IVA)

Administration Order

Available in: England, Northern Ireland, Wales.

You can pay back your debts through a plan overseen by the court, which protects you from any further action from your creditors. We can help you apply for an Administration Order if it’s the best route for you.

Creating an Administration Order

Full and Final Settlements

Available in: Scotland, England, Northern Ireland, Wales.

If you have a lump sum of money, this could be used to make full and final settlement offers to your creditors.

Applying for Full and Final Settlements with CAP

Debt Arrangement Scheme (DAS)

Available in: Scotland

CAP can help you apply for a debt payment plan under a DAS. This scheme is set up by the Scottish Government to allow you to repay your debts with a single monthly payment. It also stops creditors from taking further action against you.

Setting up a Debt Arrangement Scheme with CAP

It can be really worrying when someone you care about is going through a difficult time. We understand that many people will speak to friends and family before they speak to a debt professional.

To find out how you can support a friend, click the link below. To get practical help for someone you care about, enter their postcode and see if there’s a Debt Centre in your area. If there is, encourage them to get in touch (they must do this themselves, although you could offer to be there and support them during the call).

Now I feel in control. I don’t have to choose between petrol, food or heating. 

Edith, from Northern Ireland, now debt free 

About Christians Against Poverty

Christians Against Poverty (CAP) is a charity that provides free debt help across the UK, and we’ve been helping people for over 25 years.

Across the UK in 2023:

people were supported by CAP’s debt help service 
people became debt free 
people started their journey out of debt 

We won’t just support you in resolving your problem debt. We’ll empower you to break free from worry and fear, finding confidence and hope again.

All our services are completely free! We are able to provide free services because CAP is a charity and receives donations from churches and individuals who want to help people.

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

We are 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. Sorry, we are unable to help those who are self-employed. We advise contacting another organisation like Business Debtline or PayPlan.

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

What others say about our free, professional debt help

Hear from our former UK Chief Executive, Paula Stringer, and some of the many people we’ve helped take the first step on the journey out of debt.

Tanya: Well done for taking the first step towards finding help with your debt. No matter how bad things look right now, we are here to help you. CAP has been providing free, expert debt help since 1996, supporting tens of thousands of people, just like you, through their journey out of debt.

Lorraine: Hadn’t paid my Council Tax. Hadn’t paid my car insurance. I hadn’t paid the dog’s insurance. I hadn’t paid anything. Anything at all, nothing.

Sharon: And when the letters used to come, it used to look like jubady-jub to me, all on a piece of paper. It was just like, wow.

Reg: We just didn’t know where to turn. I mean, we didn’t know. What we’re gonna do here, you know? We can’t go on like this.

Maurice: It’s an unreal situation and you run away, and you put your head in the sand.

Tanya: If there is a CAP Debt Centre in your area, one of our friendly Debt Coaches will visit you at home, alongside another local volunteer. They will share how CAP can help you get out of debt and answer any questions you have, before gathering your all-important financial information. This will be passed to our team of expert debt advisors who will create a manageable, realistic budget just for you.

Janice: When we knew there was somebody who was going to come to the house, it was all confidential. You didn’t have to go anywhere. That was a real selling point.

Sharon: She goes, They’re meant to help with your debts, and there’s not a cost. It’s done by a charity’. I was like, What?’

Maurice: But what’s the catch? There’s no catch.

Tanya: We’re committed to providing a service where you never feel judged and always feel listened to. Together, we’ll decide what options you have to become debt free as quickly and easily as possible. And it won’t cost you anything, because our service is funded by churches and individuals who care. You will have the final say on the option that’s right for you and we’ll be there to support you all the way to becoming debt free.

Lorraine: I got a phone call to say like, you are now debt free’, and it was so amazing. He was more excited than I was as well. We were both like, on the phone going, Yay!’. It was such a relief.

Maurice: I honestly feel it now, the weight coming off of you. From being lost and in a downward spiral to seeing a way forward.

Sharon: So it doesn’t matter whatever situation you’re actually going through. Pick up the phone, call CAP, and they can change your life.

Tanya: To start your journey out of debt with CAP’s support, simply enter your postcode to see if there’s a debt centre in your area, then give us a call free of charge on 0800 328 0006 to book an appointment. Your story doesn’t end with debt. There is joy, hope and life ahead, and we can’t wait to celebrate with you on the day you become debt free.

Take your first step out of debt

Our free debt help service works through home visits so we just need to check you are in an eligible area. Enter the postcode of where you are currently living to find your nearest Debt Centre.