Christians Against Poverty (CAP) is a Christian charity in the United Kingdom founded in Bradford, West Yorkshire by John Kirkby in 1996. It is now a national organisation specialising in debt counselling for individuals in financial difficulty, including those in need of bankruptcy or insolvency. The charity is loosely based on Social gospel principles. The organisation works through a network of regional offices that work in partnership with a local Christian church. Individuals seeking the assistance of the charity give authority to the charity to negotiate with creditors, and the charity will then organize the individual's finances with the objective of making them debt free within 5 years. The debt counsellor will create a sustainable personal budget for clients, prioritising basic living needs and offering creditors fair, affordable pro-rata payments as far as this is possible.
