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How CAP can help

1 - First appointment

First appointment

If you live in a postcode covered by a CAP Debt Centre (use the postcode search above to find out), phone the freephone number. When you call CAP, we'll book in your first appointment with a 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.