Narelle Kelvin
Centre Manager
debt, poverty & anxiety
There are many reasons why people find themselves in debt. It may be due to unemployment, divorce, illness or simply struggling to budget. Whatever the reason, the consequences can be severe, and include stress, shame, depression, family breakdown, household eviction or even attempted self harm.
the solution
cap offers a unique debt counselling service, which includes budgeting and financial education. All of our clients who sucessfully follow our program become debt free.
a practical budget
We come to your home so we can work out a suitable budget with you. We make sure the budget covers all your household bills, including rent, food and utilities. Any left over income is fairly allocated to outstanding debts, such as credit cards, store cards or loans. We negotiate creditors on your behalf and you don't need to face them again.
the budget account
cap provides a budget account into which you deposit agreed amounts of money, which are then automatically paid to your creditors to meet your bills or agreed payments. We understand that sticking to a budget can be difficult and so we provide a case worker and support worker to help you with this process. Part of the budget includes an amount set aside for savings to help you break the cycle of debt by planning for future needs. In most cases, debts can be cleared at an affordable rate within a realistic and agreed time period. Where this is not possible, a specific plan is developed to address your particular needs.
testimonial
"I was feeling so desperate, alone and distressed over crippling debt that I thought I just could not go on living. Then someone gave me a brochure about Christians Against Poverty. I didn't realise it then, but I now know that God had a plan for me. Still the hardest decision I had to make was to tell someone about the financial mess I was in. cap staff came out to my home and they treated me with incredible respect and dignity. They helped me work out a plan for a brighter future. cap has helped me realise that I am not alone, and that there are people who truly care about you and give you the financial help and emotional support you need."
"Thank you so much cap, without your help, who knows where I would be."
Lynn, Forest Glen
is cap just for christians?
No, we help anyone in financial need
what should I do to get help?
cap Charlestown is a ministry of Christian City Church Victory, and operate their office on the premises at 28 Fraser Parade, Charlestown. To arrange an appointment for a case worker to visit you, or simply to find out more information, you can contact cap on their direct line, (02) 4920 7037
C3 CHURCH VICTORY
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