CAP Debt Centre

Christians Against Poverty

The Tailrace Centre operates a CAP Debt Centre. This service is free to the local community. Our CAP team visit families in homes and provide a holistic approach to helping people become debt free.

Are you feeling

  • Overwhelmed by your financial situation?
  • Struggling to cover basic household expenses week to week?
  • Being harassed by creditors?
  • Unable to repay your debts?
  • Unsure where your money goes and how best to track it?
  • Going through a big life change?
  • Looking for a system to easily manage your money?
  • Need someone to help you work out your budget?


Many families doing it tough have found relief through CAP Debt Help. Receive advice, education, and support and feel the weight of financial stress lifted from your shoulders.

Ros Frost would love to help you find freedom.

Whether it’s putting a budget together or something more difficult Ros is a chartered accountant who donates her time to help you find freedom.

To start your journey with us simply call us on: 1300 227 000

Our helpline is open from 9am-5pm (AEST) weekdays. If you call and no one answers please leave a message and we will get back to you ASAP!

About the CAP Debt Centre

Home Visits

After you call CAP,  Ros will visit you in your own home or in Judes Cafe.  She will gather your financial information and send it back to head office so we can create a good budget for you. If a home visit is not possible for you we are able to arrange your appointment in a safe, and accessible place for you.

An Effective Budget

Our trained debt counsellors will work out a realistic budget that prioritises food and other essential bills. We will negotiate affordable payments with each creditor and attempt to stop unfair interest and charges where possible. Your local Debt Coach will then explain the budget and the payments you will need to make.

CAP Account

In most cases, a CAP Account is set up for you. You will need to make one monthly payment into your CAP Account to cover your own debts. CAP will then distribute this on your behalf. You can also build up savings through your CAP Account. You can withdraw from your CAP Account when needed.

Severe Debt

If you are in severe debt, then we can walk you through insolvency options, such as petitioning for bankruptcy. We can help you to fill out the forms and go through the process. We will also help you work out if this is the best option.

Debt Free

You will use your CAP Account to pay your bills and debt repayments until you are debt free.

To start your journey with us simply call us on: 1300 227 000

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