Debt Management Company
Christians Against Poverty
Before considering a Debt Management Company ~ please ensure you have completed a Personal Financial Statement - See Personal Financial Statement
We would recommend using Christians Against Poverty for further assistance with your debt.
Christians Against Poverty is a national debt counselling charity with a network of 190 centres based in local churches. CAP offers hope and a solution to anyone in debt through its unique, in-depth service.
Who they Help
We would also point out that "Manage My Debts" are in no way associated or sponsored by CAP. We just know the good work they do and know that their reputation goes before them.
Christians Against Poverty (CAP) is available to anyone who lives in the catchment area of one of our local CAP Debt Centres. Although we have a Christian ethos we help anyone regardless of faith, age, gender, race, disability or sexual orientation. Due to our in-depth, holistic service, CAP is uniquely placed to help low income and socially disadvantaged people out of debt.
56% live below the poverty line
31% live solely on benefits
28.5% of CAP’s clients are single parents
12% are disabled
- 13% are from ethnic minorities
It's important that potential clients seek help as soon as possible - 61% of our clients waited over a year before calling us. Before we helped our clients*:
78% said debt affected their health negatively, with 42% of all clients being prescribed medication to cope.
76% sacrificed meals – 28% doing so regularly.
54% feared losing their home and a further 16% were threatened with eviction.
37% considered or attempted suicide.
*results from our 2011 Client Questionnaire of over 1000 respondents
What Other Agencies Say About CAP
Peter Murgatroyd, Chief Prosecutor, Halifax MBC
‘CAP is, and has always been, a respected organisation. When matters reach the stage of court proceedings, the magistrates are confident in their ability to hand over a case, happy in the knowledge that the individual will receive the highest level of professional care and attention. CAP strives to re-educate people who find themselves in debt and who feel that there is no way out.’
Lesley Clay, Area Officer West North West Homes
‘We have a good working relationship with Christians Against Poverty. We refer people to them because they get an unbiased, non-judgmental, friendly and honest service. We are always very satisfied when we hear that a client is working with CAP because we know they will get an ongoing and supportive service. CAP goes over and beyond the call of duty.’
P Hutchinson, Revenues Manager Leeds County Council
‘Leeds City Council and Christians Against Poverty have been successfully working together for over six years to enable customers to receive help, advice and support both financially and emotionally. Your exceptional budgeting scheme, and the documents you supply to us, support our hardship policy decision making process.’
Caren Parkinson, Family Support Worker, SureStart Elland
‘I have been extremely impressed with the service that Christians Against Poverty provide. Not only have they been able to deal with budgeting and debts, they have provided a long-term service that has left me free to deal with other issues that the families may have. The families that I have referred to Christians Against Poverty have all benefited from improved health and wellbeing, and being able to enjoy their lives again without the constant worry about debt.’
Dr Samantha Prout, Rhyddings Surgery, Blackburn
‘As a GP, I see significant numbers of people suffering from stress, anxiety and depression for whom debt is a contributing factor. Being able to refer people to CAP for excellent help with their finances, alongside friendship and compassion has a really positive impact on people's wellbeing and recovery.’
What The Finance Industry Says
John Varley, Group Chief Executive, Barclays PLC
‘The story of what Christians Against Poverty has achieved is at once remarkable, inspirational and humbling.’
Stephen Pegge, Communications Director, Lloyds TSB Commercial
‘CAP’s unique model helps individuals get back on their feet and does it by reaching out very personally, while at the same time using a brilliantly efficient system to help manage the process. This has meant they’ve been able to grow to become a major force for good.’
Maria Wadsworth, Stakeholder Relationship Manager, Allied International Credit (UK) Ltd
‘We pride ourselves in taking the right approach in regard to dealing with people who find themselves in financial difficulties and this is helped by the fact that CAP are willing to work closely with us to achieve the right outcome for both parties. Allied International Credit is very supportive of the aims and objectives of CAP.’