You don’t need to live with the stress or worry of unmanageable debt any longer. CAP's FREE Debt Help service starts with a phone call. Our service goes way beyond budget help: you'll get caring support and debt counselling for as long as you need it to go debt free! It costs you nothing to receive CAP’s help, so you can get excited about a future filled with hope and freedom.

Taking the first step is easy


10 reasons to choose our friendly CAP team

Money problems and unmanageable debt can happen to anyone - we understand! You're starting to get on top of things, but then the car breaks down... and the kids need money for school camp. Now the power bill is overdue. So, you take out a loan (and then ANOTHER loan...). Here are 10 reasons to take the first step:

10. It's FREE and confidential. Don't leave home - we'll come to you!
9. The pressure starts to come off from the first phone call - you're not alone!
8. We'll listen to see how we can help you to do the best for you, your family or your kids
7. We'll build a liveable budget that puts you and your family’s needs FIRST
6. A liveable budget means you'll have money for healthy food and essential bills like rent
5. CAP negotiates with creditors, meaning less hassle from debt collectors and money lenders
4. Make one regular payment and CAP will distribute it between your creditors
3. You'll have an expert advisor providing long-term support
2. We provide free insolvency services if needed
1. Our friendly team will walk with you until you go debt free

"Debt free, set free!"

Over 1,700 New Zealanders like Kath and Malo started where you are now... and now they're debt free!

“I did a crazy dance!”

After living in a garage, Emma is now debt free, She says “I can finally be the mum I always wanted to be!”

How CAP Debt Help works

Setting up a home visit - we'll come to you!

Free call 0508 227 111 to find out if you live in an area covered by a CAP Debt Centre. A Debt Coach in your community and a support person will make an appointment to visit you in the comfort of your own home.

Building a liveable budget

An expert advisor at CAP's Head Office (in Auckland) will work with your local Debt Coach to develop a plan that's tailored to you! We'll work out a realistic budget by prioritising essential bills like food and rent/housing. We'll negotiate affordable payments with each creditor and we'll do our best to stop unfair interest charges, where possible. Your Debt Coach will then visit you again to explain the budget; including your options/choices to work your way out of debt and the payments you'll need to make. These options and choices won't always be easy, but the hard work will pay off in the end.

Working with a debt management plan

To help you stick to your budget and repay your debts, we’ll set up a debt management plan (a CAP Account) for you. How this works: you'll need to make one weekly, fortnightly or monthly payment into your plan to cover your debt repayments. CAP does not take any of this money. Our service is completely FREE. We will then distribute this money to your creditors on your behalf, at the rate we’ve agreed with them — so you can focus on getting back on your feet.

The great thing is that you can ask your creditors to stop their phone calls, stressful letters, TXT messages and emails, and request that they call CAP instead.

Start saving... so you can work towards your goals!

You'll be set-up with a savings account. This allows you to set aside money for things like a WOF, rego, school fees, and even Christmas presents. How good will it be to buy all those important things without needing to go into debt? Just imagine!

You can request allof your financial information from CAP at any time.

Dealing with severe debt 

If you are in severe debt, then we can walk you through insolvency options, such as requesting a bankruptcy or No Asset Procedure. The CAP Head Office team will assess your options and walk you through the process for each.

You'll get FREE support every step of the way

You’ll use your debt management plan to pay your bills and debt repayments, and you’ll be supported by the CAP team along the way, as circumstances change (such as moving house, having a baby, changing jobs, etc.), right up until the day you are debt free!

Find a CAP Debt Centre near you

To book an appointment with a Debt Centre in your area, call the CAP team on 0508 227 111


All of Auckland (with the exception of Kumeu, Papakura and Franklin areas)

Te Awamutu

Bay of Plenty


New Plymouth


Kapiti Coast
Lower Hutt
Wellington Central


Christchurch North
Christchurch East
Christchurch South
Christchurch West
Christchurch Central


Frequently Asked Questions

Is CAP just for Christians?

No. CAP helps anyone, regardless of religious beliefs, race, nationality, age, gender, marital status, sexual orientation or disability.

Does your service cost anything?

No. CAP’s services are free, so that people can focus on getting, and staying, out of debt. CAP is funded by individuals, businesses, churches and charitable trusts from all parts of New Zealand.

Will my creditors co-operate with you?

In most cases, yes. CAP has built relationships with all of the major creditors in New Zealand, and our Creditor Liaison team will negotiate on your behalf, offering creditors repayments based on what you can afford.

Can CAP help if I am self-employed?

Most often, CAP is not the best organisation to help you, because income can be unpredictable and you'll often need access to credit.

However, you can contact the National Building Financial Capability Charitable Trust on 0508 283 438 or

"CAP has been my lifesaver and I would not know what to do without the support of your team. Thank you again for your guidance, support and help.” - Doreen

“I had desperate thoughts because of my debts and not being able to provide for my kids. But CAP gave me hope and provided a way out. I have a home, food, power, hot water...and my kids are happy.” - Natalia

“With CAP, I started being able to pay the rent and bills, and it was like a heavy burden was gone. It changed my whole life; I wouldn’t be living in a house if it wasn’t for CAP.” - Pua