Christians Against Poverty is a national debt counselling charity with a over 100
centres based in local churches. CAP offers hope and a solution to anyone in debt
through its unique, in-
STEP BY STEP GUIDE TO HOW CAP HELP FROM THE TIPTON CENTRE
1. HOME VISIT
After you call CAP, a Debt Coach and Support Worker from the local CAP Centre will visit you in your own home.
(by calling 0800 328 0006 CAP will advise weather the Tipton Centre or another CAP centre covers your area).
2. AN EFFECTIVE BUDGET
A realistic budget is then worked out at CAP HQ by prioritising your essential bills, negotiating affordable payments with each creditor and stopping unfair interest and charges where possible. The local Debt Coach will then visit you again to explain the budget and the payments you will need to make.
3. CAP ACCOUNT
A CAP Account is then set up for you. This acts like a simple bank account. You will need to make one weekly or monthly payment into your account to cover all of your bills and debts. CAP will then distribute this on your behalf. You can also make savings in your CAP Account.
4. INSOLVENCY / BANKRUPTCY
If you are in severe debt then we can walk you through insolvency, like petitioning for bankruptcy. We can help you to fill out the forms and even attend court with you.
5. DEBT FREE AND BEYOND
You will use your CAP Account to pay your bills and debt repayments and you will be supported by a team at CAP HQ until you are debt free. You may keep your CAP Account even after you are debt free.
More details? Click here to read some frequently asked questions
Are you in debt?
Then call free
To make your first appointment.
0800 328 0006
What is the cost?
Our service is completely free. We do give clients the opportunity to give donations to the charity so that we can help more families. However, this is completely voluntary, so many clients choose not to make a donation and this in no way affects the service that is offered