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Across the UK in 2020...
Christians Against Poverty
Christians Against Poverty (CAP) is a charity that has been providing free professional debt help and community groups through local churches since 1996. We see thousands break free from debt every year.
CAP is authorised and regulated by the Financial Conduct Authority (FCA).
Watch the video to find out more about us.
Start your journey to freedom today.
Christians Against Poverty
Christians Against Poverty (CAP) is a charity that has been providing free professional debt help and community groups through local churches since 1996. We see thousands break free from debt every year.
CAP is authorised and regulated by the Financial Conduct Authority (FCA).
Watch the video to find out more about us.
Start your journey to freedom today.
Don't worry, we've got you covered
Os fysa’n well gennych chi siarad Cymraeg neu Saesneg.
We've been helping people break free from debt for over 25 years. We're a charity that provides debt help completely free of charge.
There are many different routes to get out of debt. We'll walk you through all the suitable options based on your circumstances, from which you can choose the best route to becoming debt free.
CAP 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.
Debt Management Plan
?Many people choose to repay their debts over time, with CAP’s help. We can set up payment arrangements with each of your creditors and distribute the payment that you make each month.
Available in: England, Northern Ireland, Scotland, Wales.
Debt Relief Order
?This is for people with a low income and a low level of debt. You pay a fee of £90 to the Insolvency Service, and many debts can be cleared this way. We can help you with the application and submit it for you.
Available in: England, Northern Ireland, Wales.
Bankruptcy
?This is a legal process to clear most of your debts. We can fill out the forms for you to submit, and there’s no need to go to court. In Wales, bankruptcy costs £680 per person.
Available in: England, Northern Ireland, Wales.
Individual Voluntary Arrangement
?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.
Available in: England, Northern Ireland, Wales.Administration Order
?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.
Available in: England, Northern Ireland, Wales.Full & Final Settlements
?If you are able to sell any property you own, we can help see your debts settled using the money that this sale releases.
Available in: England, Northern Ireland, Scotland, Wales.
Find a centre in your area
To find debt help, fill in your postcode and see what CAP services are in your area.