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