For free help with debt call 0800 328 0006
FREE from both landlines and mobiles
Churches Together are partnering with CAP to provide a CAP Debt Centre in Chepstow covering postcodes NP16 and NP26.
|How CAP can help - the steps to freedom|
Step 1 - Home visit
If you live in postcode area NP16 or NP26 you can phone the freephone number at the top of the page. After you call CAP, a Debt Coach from the local CAP Debt Centre will visit you in your own home. If you live outside of these postcodes, check on the CAP website to see if your postcode is covered by another Debt Centre: https://capuk.org/i-want-help
Step 2 - An effective budget
Our trained debt counsellors will 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.
Step 3 - Paying your debts
To help you stick to your budget and repay your debts we will set up a debt management plan for you. You will need to make one weekly, biweekly or monthly payment into your plan to cover your debt repayments. CAP will then distribute this to your creditors on your behalf.
Step 4 - 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.
Step 5 - Debt free
You will use your debt management plan to pay your bills and debt repayments and you will be supported by CAP until you are debt free.
Contact: CAP UK