Debt and mental health support

CAP client, Stevie, sat with his CAP debt coach in his living room. They are both looking at each other and smiling
Find debt and mental health resources, advice and information at CAP. 

Struggling with debt can take a real toll on your mental health. Worrying about bills, opening letters and facing enforcement agents can affect your sleep, confidence and sense of hope. 

But the good news is that it doesn’t need to stay this way! If debt is impacting your mental health, we’re here to help. 

I need urgent mental health support

If you or someone you know is in crisis, call 999 or go to A&E. You can also call Samaritans for free on 116 123.

Hand holding heart

I want to get debt help

Find a local CAP service near you here.

I need help with problem debt

Although the first step towards financial freedom is often the hardest, it’s really worth it. We are here to help you become debt free and find hope again.

Our friendly New Enquiries team is the first port of call. We’ll listen to you and see how we can help you on your journey out of debt. A local debt coach will visit your home to take your letters and paperwork and advise on your next steps. They’ll walk alongside you in your debt free journey without judgement, and will hold your hand at each step of the way.

Find your local CAP Debt Help

I need protection from my creditors

Breathing Space is a UK Government scheme that legally stops most creditors from contacting you. It gives you 60 days to breathe and focus on your next steps.

If you’re experiencing a mental health crisis, there’s a specialised version of this scheme that offers even more protection while you recover. Click below to find out more.

If you live in England or Wales

See if you’re eligible for Breathing Space here

If you live in Scotland

See if you can apply for a moratorium

My creditors aren’t sensitive to my situation

You might be able to get a debt and mental health evidence form (DMHEF)

It proves your mental health situation so creditors can be more sensitive and supportive when contacting you and treat you more fairly.

The DMHEF can be used by:

  • debt advisers (to negotiate with organisations on behalf of the client)
  • people with mental health and debt problems (with the help of a debt adviser)
  • organisations who are owed money 

The form is filled out by healthcare professionals (such as a GP, nurse, psychiatrist or social worker).

Where to get more mental health support

  • Mind: Call Mind’s support line on 0300 102 1234. You can also get help with their online peer support programme.
  • Samaritans: Call 116 123 (free from any phone) or call the Samaritans Welsh Language Line on 0808 164 0123 (7pm–11pm every day).
  • National Suicide Prevention Helpline UK: Call 0800 587 0800 (6pm to midnight every day).
  • Your local church: Your local church can be a beacon of hope when you feel like you can’t step out of the darkness. They often offer holistic support like community groups and outreach home visits to help you when you need it.

A story of hope to encourage you

Not long ago, Stevie felt overwhelmed by financial pressure and saw no way forward. Thankfully, members of his local community intervened during a crisis and connected him with professional support. Through CAP, Stevie was matched with Simon and Colin, who provided both the expert debt advice and the friendship he needed to start the process of becoming debt free.

CAP client, Stevie, walking next to his debt coach, Colin, on his street. They are both looking at each other and smiling

I love being debt free. It feels like a burden has been lifted off me and I can see the light at the end of the tunnel. 

Transcript:

I was like, I’m only left with £10 here. How can I survive on this?’ And it was hard. When you’re in debt, it was hard. So hard.

There was vet bills, there was rent for the house, credit cards, shopping. It just started spiraling out of control. I could not control my debts; I just kept on adding to it and adding to it every month. I was getting these letters through the door all in red. I was like, Oh no, help! I can’t do this anymore.’ They demanded money off me all the time and I just could not afford to pay them anymore.

My body was just getting tighter and tighter, and my head was about to explode because of all these debt letters. I was like, I can’t do this.’ I was £4,500 in debt.

I was like, You know what, suicide’s going to be the way forward. That debt can just lie there. I don’t care about it anymore.’ I just wanted to get suicide and that’s it. I was like, You know what? Nah, this is just—that’s enough. I’m just going to go.’

The support worker who came out to me said, Look, we’ve got the best organisation that can help you.’ And they said, CAP’ (Christians Against Poverty). I just didn’t know there was a thing out there like CAP that could help me.

Within five minutes of them being in the house, it was like I’ve known them for years and it just felt safe with them. I was like, You know what? I feel safe here.’ I could talk to them.

When you start off in debt, you’re in the darkness. But Simon and Colin actually helped me through to see the light at the end of the tunnel. After that, everything started falling into place and I got that letter saying, Congratulations, you’re debt free.’ I went, Wow.’

I can actually afford to get things without putting myself into debt. It’s absolutely brilliant. CAP’s changed my life completely. So, now I’m living life to the full.

Looking back at it now, I’m like, It’s not worth it. Suicide’s not worth it. There’s always help out there for people.’ Seek help before it gets out of control.”

When you’re ready, we’re here

If debt is affecting your mental health, you deserve support. When you’re ready, our friendly team is here to help you take your next steps at your own pace. 

Get help

Simply type in your postcode below to find a free CAP service near you