Free debt counselling in your community from an award winning charity.

The Lewisham CAP Debt Centre opened in August 2017.

Whatever the situation you are facing, there is hope. As a charity, we offer a completely free service to help you lift the burden of debt. So give us a call today and start your journey towards debt freedom.

CALL CAP FREE ON 0800 328 0006

Calls are free from landlines and mobiles in the UK

If you are feeling weighed down by debt, then we can help. You may think your situation is impossible, but there is hope. Our friendly team will give you a listening ear in the privacy of your own home and provide a practical solution to your debts.

Since we started helping people out of debt in 1996, we’ve helped thousands in situations like yours through our professional service offered by over 300 CAP Debt Centres. So why don’t you ring us today and begin your journey to becoming debt free?

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 over 1,000 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.

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.

CALL CAP FREE ON 0800 328 0006

Calls are free from landlines and mobiles in the UK

How it works:

Home Visits

After you call CAP, a Debt Coach from a local CAP Debt Centre will visit you in your own home.

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.

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 debts and also bills if appropriate. 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 we can walk you through insolvency options, such as petitioning for bankruptcy. We 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.

More Questions?

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