St John's runs the Penge Centre which covers Penge and the surrounding area. Through our centre, we offer hope and a solution to anyone in debt through a unique, in-depth service.

HOW WE CAN HELP - THE STEPS TO FREEDOM

1. HOME VISIT

Phone the freephone number. After you call CAP they will talk with you and assign a Debt Coach and Support Worker from your local CAP Centre who will visit you in your own home. The Debt Coach will collect key details from you regarding your income and outgoings and report this back to CAP Headquarters. All information is held in strictest confidence.

2. AN EFFECTIVE BUDGET

A realistic budget is then worked out at CAP Headquarters by prioritising your essential bills, negotiating affordable payments with each creditor and stopping unfair interest and charges where possible. The Debt Coach from St John's will then visit you again to explain the budget and the payments you will need to make.

3. CAP ACCOUNT

A CAP Account is then set up for you. This acts like a simple bank account. You will need to make one monthly payment into your account to cover your debts. CAP will then distribute this on your behalf. You can also make savings in your CAP Account.

4. INSOLVENCY / BANKRUPTCY

If you are in severe debt then CAP can walk you through insolvency, like petitioning for bankruptcy.

5. DEBT-FREE AND BEYOND

You will use your CAP Account to repay your debts. You will be supported by a team at CAP Headquarters until you are debt-free.

CALL FREE - 0800 328 0006