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Published on May 8th, 2015 | by FinanceLoophole


Christian Debt Help

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There are an increasingly large number of Christian and non-profit debt advice services available to UK consumers at the moment. This is largely due to the fact that there is a genuine need for debt help and management in the current economic climate in the UK. This has led those organisations of both the Christian and non-profit/charitable sectors to offer help and advice due to their principles of helping people in times of difficulty. There seems to be an ever increasing problem with debt in the UK at the moment, and Christian and non-profit/charitable sector organisations are stepping forward to help people with their debt problems.

Christian Debt Management

However, quite a lot of people will be thinking twice before consulting these kinds of agencies when they are looking for quality debt advice. Some people may simply feel that they cannot go to get debt advice from a Christian faith advice service if they are not regular churchgoers or practising Christians. On the other hand, others may feel that they will not get the best levels of help and advice from a non-profit charitable organisation in comparison to a commercial organisation – having the concern that you won’t be getting the best advice service for free. If you are having problems with debt and bill payments we can help you – just fill in this form with your details and we will get back to you.

These viewpoints are a little outdated, as people who consult these services often find that both the Christian and non-profit organisations are more than willing to help out anybody who approaches them for advice. These debt advice services are there to help people with debt and not to make judgements so it is better to have an open mind here. The advice that you get from a Christian charity advice service on how to cope with debt will ordinarily be impartial, useful and in many cases hard to even see that they are run on a faith basis.

Christian and non-profit debt advisory organisations have very different aims to a commercial advisor. For example they are:

  • Not motivated my monetary gain
  • Genuine desire to help people out of a difficult debt situation
  • Their ‘loyalty’ is to you, as the person approaching them for help
  • They are willing to give up their time freely to give you advice – no strings attached.

The advice and help you get will vary according to your specific circumstances and the services which are on offer. Some advisory services may run a website that offers advice sheets and downloads such as this one, some may offer telephone advice and some face to face counselling. The better services will also be able to help you work out how to get the best debt management solutions once you have chosen one which is suitable for you. They will even help you talk to your creditors to sort your bad debt situation out.

The primary aim of these services is to help make you feel better about you debt situation, as well as take action to ensure that you can solve any problems that you might be having.

So, if you are looking for debt advice and practical help then these kinds of organisations could be a good choice for you to start with. Consulting with a debt advisory service of this kind will not cost you money and will not put you under any obligation.

Let’s take a look at a few of the best known Christian debt advice services you can find in this sector:

Christians Against Poverty (CAP) Debt Help

CAP is a National UK Christian debt help and advice charity. The major focus of their work is to help lift people out of debt and poverty in the UK. The Sunday Times recently awarded them runner up in it’s Best 100 not-for-profit organisations to work for. They have pioneered partnership working with local churches as they believe the Church is a trusted brand which can help to turn people’s lives around for the better.

Christians Against Poverty offer a free debt counselling service through a network of hundreds of it’s community bases centres located in local churches.

Their overriding message to those people struggling with their debt problems is that there is always a way out of their particular debt, and that there is definitely help that they can offer. Each year they are helping over 20,000 people to find their way out of the ‘black hole’ of debt.

A debt counseling session normally consists of sitting down with you and assist you in working out a fair budget to manage your debt. The debt charity will also negotiate with your creditors if you want them to and they will talk you through issues such as how insolvency and bankruptcy work in practice.

They also run CAP Money Courses. They have presented these courses to more than 10,000 people a year. The courses teach budgeting, saving and how to prevent getting into debt in first place.

In addition CAP offers ‘CAP Money’, a course which teaches you about money management. As well as budgeting skills and a simple cash-based system that really can work in reducing the likelihood of getting into debt. This course will help anyone to get more in control of their finances, so they can save and prevent future debt problems.

Find out more on the CAP website

Credit Action Debt Help

This is another Christian debt help charity which offers a full range of debt and money management advice for individuals in all kinds of circumstances via its website at The site also links to many useful sites that can also be useful if you are looking for help with debt problems.

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Credit Action is a national money education charity committed to helping people manage their money better. It offers a range of resources, tools and training and operates at a national level through advocacy, collaboration and partnerships with various groups and companies and at a local level through targeted projects, with a particular emphasis on those most vulnerable to financial difficulties..

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