Weighed down by debt?

CAP can help. There is hope and a solution to your debt situation — you are not alone.

However much debt you are in, CAP’s team of friendly, professional debt counsellors will help you make sense of your situation, provide a solution, and walk with you every step of the way.

And it’s completely free for you. Need to talk about debt? Call today.

Call Center Headset

Call now at 1-855-214-9191

Your journey out of debt starts here. CAP’s friendly team is ready to help.


How does it work?

Step 1
Get connected

  •  Call the helpline on
    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, a safe nearby location or online, to begin the process of understanding your debt, helping you to find a solution.

Step 2
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.

Step 3
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 personalized 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.