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. For other uses, see Christian (disambiguation). ... A charitable organization (also known as a charity) is a trust, company or unincorporated association established for charitable purposes only. ... The larger City of Bradford Metropolitan District includes other settlements in the surrounding area. ... Coat of Arms of South Yorkshire West Yorkshire is a metropolitan county within the Yorkshire and the Humber region of England, that has a population of 2. ... Year 1996 (MCMXCVI) was a leap year starting on Monday (link will display full 1996 Gregorian calendar). ... Credit counseling (known in the United Kingdom as debt counselling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid. ... Notice of closure stuck on the door of a computer store the day after its parent company, Granville Technology Group Ltd, declared bankruptcy (strictly, put into administration—see text) in the United Kingdom. ... Insolvency is a financial condition experienced by a person or business entity when their assets no longer exceed their liabilities (commonly referred to as balance-sheet insolvency) or when the person or entity can no longer meet its debt obligations when they come due (commonly referred to as cash-flow... The Social Gospel movement is a Protestant Christian intellectual movement that was most prominent in the late 19th century and early 20th century. ...

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. For the architectural structure, see Church (building). ... A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment. ...

External links

• CAP website
• BBC North Yorkshire - Dealing with local poverty