You are supported all the way as you take each step out of debt and towards freedom.

Call now: 1300 227 000



Get connected
  • Call the helpline on 1300 227 000 to speak to the friendly team who will take your details, make a quick assessment of the help you need and set up an appointment with a debt coach for you.
  • The local CAP Debt Coach will come and visit you in your home* to begin the process of understanding your debt, helping you to find a solution.


Make a plan
  • The qualified debt counsellors in Head Office will develop a budget for both you and your creditors to agree on.
  • If repayment within a reasonable amount of time isn’t possible, the team will assist you through the process of applying for bankruptcy.


Be free
  • After your in-home* visits, you will receive a caseworker for long-term support. As your situation changes over time they are available to make adjustments to your budget, negotiate with your creditors, and check-in with you regularly.
  • Set up a regular payment into your personalised CAP account. CAP will distribute these funds to your creditors on your behalf.
  • Your creditors will be advised that CAP is now working on your behalf, ensuring you can be free to focus on the important things in your life.

*or in another safe, nearby location

CAP takes your privacy and safety seriously. There are protocols in place that ensure what you share with CAP remains confidential. When caseworkers speak to your creditors on your behalf, they will only share what is necessary to set up your repayment plan, and only after you have given your permission.

I will never forget what CAP did for me. The gift, the prayer, the help they have been to my family. CAP has given me hope again.

Keth, CAP client