Christians Against Poverty busy time

Three-quarters of people who received debt advice managed to cut the amount they owed
Three-quarters of people who received debt advice managed to cut the amount they owed

A local charity has revealed that it expects to receive more calls for help than ever before in the coming weeks.

Christians Against Poverty, with local debt centres covering the Causeway Coast area and Ballymoney, says that the post-Christmas rush to get finances sorted has begun in earnest.

Rather than the mythical peak known as ‘Blue Monday’ on January 19, the charity actually receives the most calls for debt help on the second Monday, in February which this year lands on February 9.

“Every week, the busiest day for debt help calls is a Monday, when people have had time over the weekend to resolve to seek help,” said Causeway Coast Centre Manager David Kelly based at Vineyard Compassion.

“We see a rise in calls during January and February because most people can’t face tackling their finances before Christmas. When these two elements come together, we see our busiest time. As our reach extends to more areas, with more debt coaches, we are set to see more people booked in than ever before.

“Four in ten people believe that no one can help them with their debts, according to some research we’ve done. It can feel like you’ve hit a brick wall but we see ‘impossible’ situations where people get their debts cleared. There are people to help and it can get sorted, however complicated or dire it seems.”

Anyone calling CAP for help rings 0800 328 0006 and are booked in for a home visit from David or Carol who spend time learning what has happened and show a way forward out of debt.

Then all the person’s outstanding bills and letters from creditors are sent to CAP’s head office in Bradford. The charity negotiates with each creditor on behalf of the client and draws up a budget to begin to repay what is owed.

“Anyone having sleepless nights, unable to afford the basics or worried about meeting their rent or mortgage should call us, or one of the other good free debt agencies, and see how we can help.”

Call CAP on 0800 328 0006 or visit capuk.org