If you are feeling weighed down by debt, then CAP Debt Help is for you. The situation may seem impossible, but there is hope.
SBC, Shoreham Baptist Church, is partnered with Christians Against Poverty (CAP) to offer debt counselling in our community. The service we offer is completely free to those who need it. We aim to help people out of debt through face-to-face home visits and an in-depth debt counselling service, where each person will be supported by CAP until they are debt free.
Call the new enquiries team at CAP head office, for free, on
0800 328 0006
Denise - Debt Centre Manager
If you'd like to talk to us about how we can help you, we are available on the first and third Tuesday of every month at Shoreham Foodbank from 10am till noon.
Shoreham Free Church,
CAP started helping people out of debt in 1996. With over 300 CAP Debt Centres, in churches nationwide, we have helped thousands in financial difficulty.
The service is free and available to anyone, regardless of religious beliefs, race, nationality, age, gender, marital status, sexual orientation, or disability.
CAP will work with you until you become debt-free and can independently manage your finances with confidence. CAP will help you to budget, ensuring rent, mortgage, and creditor debt is under control.
CAP will work with you until your debt is cleared.
How CAP works
After you call CAP's new enquiries line on 0800 328 0006, a debt coach and support worker from the local CAP Debt Centre will visit you in your own home. (During COVID these meetings are happening in the church building or over the phone.)
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. They'll go through any options or choices you may have as you work your way out of debt, and what payments you need to make. Our CAP HQ team will then negotiate affordable payments with each creditor, and stop interest and charges where possible.
If you choose to work with us, a CAP account is set up for you. This acts like a simple bank account and can be used to pay your regular bills and debts. You will need to make regular payments into your CAP account. CAP will then distribute this to cover your bills and debt repayments on your behalf. You can also make savings in your CAP account for irregular costs, (such as maintenance costs.)
If you are in severe debt, CAP 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.