We Can Help

step by step guide to how we help

As we visit people in their home, we can only help those who live within 20 minutes' drive of a CAP Centre. Click here to view a map of our centres.

1.  Home Visit

Phone 1300 227 000 and select Option 1 to determine whether CAP is able to help you.  If so, after you call CAP, a Debt Advisor and Support Worker from the local CAP Centre will visit you in your home.  

If you do not live near one of our centres, please click 'Can I Help Myself' in the menu on the right.

2.  An Effective Budget

A realistic budget will be worked out at CAP Head Office by prioritising your essential bills, negotiating affordable payments with each creditor and stopping unfair interest and charges where possible.  The local Debt Advisor will then visit you again to explain the budget and the payments you will need to make.

3.  CAP Account

A CAP Account is then set up for you.  This acts like a simple bank account.  You will need to make regular weekly, fortnightly or monthly payments into your account to cover all of your debts.  CAP will then distribute this on your behalf.  Your CAP Account will also include savings.

5.  Insolvency / Bankruptcy

If your debts are very large and you can't pay them off in a reasonable time, CAP's Insolvency department will explain the options, including insolvency and bankruptcy, to help you choose the best way forward.

6.  Debt free and Beyond

You will use your CAP Account to make debt repayments while being supported by a team at CAP Head Office until you are debt free.