Grace Community Church work in partnership with Christians Against Poverty (CAP) to provide free one-to-one help for those struggling to get their finances under control and to those struggling with debt. Our minister, John Murdo MacDonald, worked in a bank before he entered into full-time Christian ministry and is keen to use the experience gained there in leading a team of volunteers to help those in financial need.
Through our partnership with CAP we are delighted to offer help in two main ways: CAP Money & Debt Help:
CAP Money is a revolutionary money management course that is completely free to attend. The course teaches people budgeting skills and a simple, cash-based system that really works, and will help anyone to get more in control of their finances, so they can save, give and prevent debt. CAP Money is a course devised by the award winning debt counselling charity, Christians Against Poverty.
By applying these three principles, you will learn how to manage your money, and live your life!
|1. Home visit
If you live in a postcode covered by a CAP Debt Centre (use the postcode search at the top of the page to find this out), phone the freephone number*. After you call CAP, a Debt Coach and Support Worker from the local CAP Debt Centre will visit you in your own home.
|2. 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, any options or choices you may have in terms of working 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 unfair interest and charges where possible.
|3. CAP Account
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 one weekly or monthly payment into your account to cover all of your bills and debts. CAP will then distribute this to your creditors on your behalf. You can also make savings in your CAP Account.
|4. Severe Debt
If you are in severe debt then we 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.
|5. Debt free
You will use your CAP Account to pay your bills and debt repayments and you will be supported by CAP until you are debt free.