Christians Against Poverty (CAP) have a range of services to help you get debt free. They have a range of branches all over the UK and can help with:
- Budgeting - work out a realistic budget that prioritises your essential bills. Your local Debt Coach will then visit you again to explain the budget, any options or choices you may have to work your way out of debt, and what payments you will need to make. CAP will then negotiate affordable payments with each creditor and stop unfair interest and charges where possible.
- Paying your debts - To help you stick to your budget and repay your debts CAP will set up a debt management plan for you.
- Severe Debt - If you are in severe debt, CAP can help you with your options, such as petitioning for bankruptcy. CAP can help you to fill out the forms and even attend court with you.