Frequently asked questions

Does CAP work?

Yes! CAP has helped thousands of people gain control of their finances, seen over 3,000 families become debt free, and relieved millions of dollars in debt. CAP works, and your support is vital to bring free debt help to more Canadians.

Where does my donation go?

Your donation is what makes CAP’s vital advocacy and financial counselling services possible.
It supplies the CAP engine room of 14 people through wages and salaries — the vehicle through which financial advocacy is made possible today and into the future.
It is invested into the future sustainability of the organisation through fundraising events and activities and covers the training and resources required for 14 staff, church partners and volunteers to bring the CAP service to their communities. See more here.

How does CAP help clients become debt free?

CAP works with the local church to serve the most vulnerable members of their communities. When a client calls CAP, they are allocated a CAP Debt Coach from a local church who will come to their home and help them assess all their debts. The client is then allocated a personal caseworker who will help them develop and stick to a budget as well as negotiate with creditors on their behalf. This caseworker remains with the client for as long as they remain with CAP – often until the happy day they become debt free!

Do you give money to your clients?

No. CAP believes the solution to poverty caused by debt is increasing financial literacy and advocating for people who can’t advocate for themselves. CAP’s debt counsellors work with families to create a budget to pay off their debts, as well as working with financial institutions to provide a fair deal for those unable to pay their debts.

Is the service just for Christians?

No, the CAP service is available to anyone regardless of race, nationality, religion, age, gender, marital status, sexual orientation or disability. This is shown as over 90% of CAP clients are not Christians.

As a Christian organisation, CAP Debt Coaches may offer prayer and discuss issues of faith with clients if they are interested. However, their response in no way affects the service offered.

Is there a charge for CAP's service?

No, it is completely free. Clients are given the opportunity to give voluntary donations to the charity if they want to and their budget shows they can afford to. CAP works hard to not create any sense of obligation when the opportunity to give a donation is presented.
Many clients choose not to donate and this in no way affects the service that is offered.

How is CAP beneficial over other debt advice services?

Debt can be a devastating experience and many people, especially the poorest and most marginalised in society, can find it virtually impossible to resolve the problem themselves, even if excellent advice has been given. Repeated phone calls and letters from creditors can result in feelings of hopelessness, low-self esteem, anxiety and depression, causing family break-ups and even suicide. Shockingly, one-third of CAP clients surveyed have said they considered or attempted suicide before seeking help. In addition, vulnerability and disability can be barriers to accessing mainstream debt-counselling services due to difficulties travelling to a debt advice centre. CAP’s service is specifically tailored for the poor and socially marginalised.

As part of the service, all clients are given a CAP Account to pay their debts which greatly simplifies the repayment process. (See below answer for more information on the CAP Account).

How does the CAP account work?

The CAP Account works by providing clients with an easy way to pay outstanding debts in one simple payment. Each client has a CAP Account from which payments are administered on their behalf to all creditors. This means that through one weekly, bi-weekly or monthly payment to their CAP Account, clients can rest assured that all their debts are being paid and that CAP can negotiate repayment terms on their behalf should their financial situation change.
Another advantage to the CAP Account is that it enables clients to generate savings each month from their income. This empowers clients to plan for their future, putting into practice sound financial principals, which will pass on excellent money management skills to break the cycle of poverty for future generations.

What should I do if someone claiming to be a CAP representative offers me money?

CAP doesn’t give grants or financial gifts to individuals. If you have been approached privately by someone offering such assistance, this is likely to be a scam. If unsure, please email CAP directly [] to clarify if the message is authentic.