Christians Against Poverty (CAP) has been running a free debt counselling centre out of HumeRidge Church of Christ for the past two years. It services Toowoomba and surrounding areas, such as Highfields, Westbrook and Hodgson Vale.
CAP has almost 50 centres Australia-wide, offering unique and personalized debt counselling services.
Toowoomba centre manager, Colin Mellis, said CAP is able to help most people in financial difficulty, regardless of their personal situation, beliefs or circumstances.
“The only condition is for prospective clients to have some form of regular income, whether it be from Centrelink or employment, due to the requirements of creditors,” said Colin.
Many other avenues for dealing with debt involve steep charges and fees for clients, whereas CAP offers its services free as a service to the community.
“CAP clients are already in debt and CAP doesn’t want to add to it,” said Colin.
The CAP service offers home visits to clients, with the majority of appointments held in the privacy of personal residences.
“People tend to be much happier and more comfortable at home, as they already feel a sense of shame and perhaps even embarrassment, due to debt,” said Colin.
“CAP is not here to judge them; so prospective clients should have confidence to put their hand up if they could do with some help.”
Spiralling debt leads to significant personal stresses as well as relationship pressures and breakdowns.
If you are concerned about your financial situation, call the CAP helpline on 1300 227 000 and select Option 1 within business hours, or visit www.capaust.org
HumeRidge also regularly runs a FREE budgeting course called The CAP Money Course. It is a revolutionary money management course that teaches budgeting skills and a simple, cash-based system. Click here for details.