Overview
No matter how large or small your problem is, we can help. Our free, expert debt help will support you all the way to becoming debt free.
The first step is often the hardest, but it’s really worth it. Asking for help can be daunting, particularly for many people who have reached a crisis point before calling to book an appointment.
Our friendly New Enquiries team is the first port of call. We’d love to listen to you and see how we can help get you started on your journey out of debt. Just call up 0800 328 0006 to start the process today!
Details
- Available In
- Liverpool
- Available to Age Groups
- No Restriction
- What we can help with
- Help and advice about money and debt issues
- Available to these Groups
- All Groups
Additional Information
There are many different routes to get out of debt. We'll help you understand your options and choose the best route for you to become debt-free.
Debt Management Plan
Available in: Scotland, England, Northern Ireland, Wales.
Many people choose to repay their debts over time, with CAP's help. We can set up payment arrangements with your creditors and distribute the payment that you make each month.
Debt Relief Order (DRO)
Available in: England, Northern Ireland, Wales.
This is for people with a low income and a low level of debt. You pay a fee of £90 to the Insolvency Service, and many debts can be cleared this way. We can help you with the application and submit it for you.
Bankruptcy (Sequestration in Scotland)
Available in: England, Northern Ireland, Wales, Scotland.
This legal process results in your debts being written off. CAP will explain the consequences and help you through the whole process of preparing, completing and submitting an application.
Individual Voluntary Arrangements (IVA)
Available in: England, Northern Ireland, Wales.
This is an agreement with your creditors to pay towards your debts for a period of five to six years. After this time, the remainder of your debts will be written off.
Administration Order
Available in: England, Northern Ireland, Wales.
You can pay back your debts through a plan overseen by the court, which protects you from any further action from your creditors. We can help you apply for an Administration Order if it's the best route for you.
Full and Final Settlements
Available in: Scotland, England, Northern Ireland, Wales.
If you have a lump sum of money, this could be used to make full and final settlement offers to your creditors.
About Christians Against Poverty
Christians Against Poverty (CAP) is a charity that provides free debt help across the UK, and we've been helping people for over 25 years.
Our mission is to see transformed lives, thriving churches and an end to UK poverty.
Learn more about CAP
Across the UK in 2021:
- 9,168 people were supported by CAP Debt Help
- 1,946 people became debt-free
- 4,645 people started their journey out of debt
We won't just support you in resolving your problem debt. We'll empower you to break free from worry and fear, finding confidence and hope again.