Christians Against Poverty > Get Help > Debt Help > More Information - CAP Australia - Free Debt Help

What to expect after you call CAP...

Home visits

After you call CAP, a Debt Coach from a local CAP Debt Centre will visit you in your own home. The Debt Coach will gather your financial information and send it back to head office so we can create a good budget for you. If a home visit is not possible for you we are able to arrange your appointment in a safe, and accessible place for you.

An effective budget

Our trained debt counsellors will work out a realistic budget that prioritises food and other 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.


CAP Account

In most cases, a CAP Account is set up for you. You will need to make one monthly payment into your CAP Account to cover your own debts. CAP will then distribute this on your behalf. You can also build up savings through your CAP Account. You can withdraw from your CAP Account when needed.

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 and go through the process. We will also help you work out if this is the best option.


Debt free

You will use your CAP Account to pay your bills and debt repayments until you are debt free.


Is CAP just for Christians?

No. CAP will help anyone regardless of their religious beliefs. We monitor our services to ensure that everybody receives the same caring service regardless of race, nationality, religion, age, gender, marital status, sexual orientation, or disability.

What will the service I receive be like?

Over the course of three visits, we’ll explain our service, gain a clear picture of your situation and identify the best way to help you through it. Our team at head office will set up your case and will also support you on the rest of your journey.


A Debt Coach (trained by CAP) and a CAP Support Coach from the local church will attend each visit with you. The Debt Coach will deliver the advice prepared by our professional team of debt counsellors to ensure you can find the best solution for your situation. Following the three visits, this team of caseworkers in Newcastle will support you on your journey towards becoming debt free. The Support Coach is there to provide you with emotional, practical and spiritual support (should you need it) during the visits and also outside of these times.


It's our standard practice to offer prayer during these visits, however our staff are always respectful of every individual's response to this offer. We work very hard to make it clear that this is only an offer and if you decline, it will never affect the service you receive in any way. Our client survey results tell us that most clients appreciate it, even if they are not a Christian.


Does it cost anything?

No. Our service is completely free. We are able to provide a totally free service because CAP is a charity and receives donations from churches and individuals who want to help people.


Will my creditors cooperate with you?

Yes. We have worked with many companies within the finance industry and we are well respected. This means that councils, utilities and mortgage companies work with us because they have seen the results of our involvement. They know we offer fair repayments based on what you can afford.

CALL 1300 227 000

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