How CAP can help - the steps to freedom

Step 1

Home visit

If you live in a postcode covered by a CAP Debt Centre (use the postcode search at the top of the page to find out), phone the freephone number. After you call CAP, a Debt Coach and befriender from the local CAP Debt Centre will visit you in your own home.

Step 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 to work your way out of debt, and what payments you will need to make. CAP will then negotiate affordable payments with each creditor and stop unfair interest and charges where possible.

Step 3

Paying your debts

To help you stick to your budget and repay your debts we will set up a debt management plan for you. You will need to make one weekly, biweekly or monthly payment into your plan to cover your debt repayments. CAP will then distribute this to your creditors on your behalf.

Step 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.

Step 5

Debt free

You will use your debt management plan to pay your bills and debt repayments and you will be supported by CAP until you are debt free.