Help for those burdened by debt
The Crawley Debt Centre is set up by Christians against poverty and is run in partnership with Elim Church Crawley and gives free debt help to anyone who feels weighed down by debt.
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.
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.
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.
You can use your CAP Plan to pay your bills and debt repayments until you are debt free.