Debt Help

Money problems? We care. Help is free.
Kath and Malo debt free family with CAP

“From endless nights of juggling, worrying about bills & loans… to our kids becoming priority.”

CAP continues to walk alongside 470 whānau like Kath’s every week…

There’s no availability for CAP’s free Debt Help, right now. Bookings for our help service will start again in September 2025. Need help now? Please contact MoneyTalks.

Kath and Malo debt free family with CAP
Apprehensive Mum with loans before CAP and celebrating withwhanau

CAP’s Debt Help is free and confidential.

How does it work?

Complete the form below and one of our friendly CAP team will be in touch with you shortly.
Play 'how CAP Deb Help works' video

New Zealanders have gone from hardship to living debt free!

million dollars in unmanageable debt and bills repaid or written off

%

people using CAP Debt Help say it's 'life-transforming' or 'a great help'

Meet some of our friendly CAP team

Riki
Debt Help Coach

Iwi: Te Rarawa/Te Atiawa/Scotland
Favourite food: Lamb shanks in winter and self-caught fish in summer!
Passion: To see you released from the burden of debt and to witness your life changing experiences.

Meet some of our friendly CAP team

Karen
Senior Support Caseworker

Favourite song: So will I (100 Billion X)
“Being a mother, I know that when a client becomes debt free, it is going to improve their children’s lives, and their children’s children’s lives."