Weighed down by debt?

Free debt counselling in your community from an award winning charity.

How CAP works

1 - Home visits

Home visits

If you've booked an appointment with CAP, the next step is a home visit from a friendly, trained Debt Coach from your local CAP Debt Centre.

2 - An effective budget

An effective budget

Our trained debt counsellors will work out a realistic budget that prioritises your essential bills. We will negotiate affordable payments with each creditor and attempt to stop unfair interest and charges where possible. Your local Debt Coach will then explain the budget and the payments you will need to make.

3 - CAP Plan

CAP Plan

In most cases, a CAP Plan is set up for you. You will need to make one monthly payment into your CAP Plan to cover your bills and debts. CAP will then distribute this on your behalf. You can also build up savings through your CAP Plan.

4 - Severe debt

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.

5 - Debt free

Debt free

You can use your CAP Plan to pay your bills and debt repayments until you are debt free.

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