Help for those burdened by debt
Christians Against Poverty (CAP) provides free debt help and practical support across the UK. Crawley Baptist Church is a partner of the Crawley CAP Centre charity which runs the debt centre and coordinates CAP’s work locally.
Home visits
If you live in a postcode covered by a CAP Debt Centre, a Debt Coach from a local CAP Debt Centre will visit you in your own home.
An effective budget
Trained debt counsellors will work out a realistic budget that prioritises your essential bills. They 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.
CAP Plan
In most cases, a CAP Plan is set up for you. You will need to make one weekly or 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.
Severe debt
If you are in severe debt, then they can walk you through insolvency options, such as petitioning for bankruptcy. They can help you to fill out the forms and even attend court with you.
Debt free
You can use your CAP Plan to pay your bills and debt repayments until you are debt free.