CAP Debt Help: Long-term debt counselling that lifts people out of debt and poverty

Is your debt making life unmanageable? Are your finances causing you to live in anxiety and fear? Debt can happen to anyone, for a variety of reasons, but you don’t need to live in crippling debt or worry any longer. CAP Debt Help is just a phone call away!

How it works

Our free Debt Help service goes beyond budget help: Community-based Debt Coaches work alongside a caseworker team at the Head Office to develop a unique plan for each client. This includes creating a budget that prioritizes food and housing, taking over all creditor relationships, negotiating with creditors, and establishing a long-term repayment plan – so that you get out of debt and stay out of debt.

If you are struggling with unmanageable debt, you are not alone! Read below for more information or call free on 0508 227 111 to find out how CAP can help.

FREE CALL ON 0508 227 111

How CAP can help

Setting Up a Home Visit

Call 0508 227 111 to find out if you live in a city covered by a CAP Debt Centre. If you do, we'll set up an  appointment so a Debt Coach and support worker from the local Debt Centre visit you in your own home.

Building a Liveable Budget

At the Head Office in Auckland, our trained caseworkers will work out a realistic budget by prioritising  your essential bills like food and rent, negotiating affordable payments with each creditor and stopping unfair interest charges where possible. Your local Debt Coach will then visit you again to explain the budget, any options or choices you may have to work your way out of debt, and what payments you will need to make.

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. You will need to make one weekly, fortnightly or monthly payment into your plan to cover your debt repayments. CAP will then distribute this to your creditors on your behalf—so you can focus on getting back on your feet. And, you'll be set up with a savings account, so you begin to set aside money for things like a WOF, rego, school fees, and even Christmas presents.

Dealing with Severe Debt 

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

Providing 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 as any circumstances change (like you move house, have a baby, etc.), until you are debt free.

Find your local Debt Centre

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)

Hamilton Central

Bay of Plenty


New Plymouth


Upper Hutt
Lower Hutt
Wellington Central


Christchurch North
Christchurch West
Christchurch Central
Christchurch South



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

Emma’s Story

Emma shares her fight to become debt free -- and the mum she's always wanted to be!

"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