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You could get up to 60 days' respite from interest, fees, and court action to reduce stress and give you time to deal with your debts.
The Breathing Space scheme is available in England and Wales. In Scotland, the moratorium period is similar, but has different benefits and considerations.
Breathing Space, officially called the Debt Respite Scheme, is a government scheme which could help relieve some of the pressure and stress caused by being in debt. Here, you can find everything you need to know about this scheme, including:
The Debt Respite Scheme, or Breathing Space aims to help relieve some of the pressure of dealing with your creditors, so you can focus on getting debt advice and setting up your debt solution without worrying about being chased for payment or incurring extra charges.
It's a free scheme, launched by the Government on 4 May 2021.
If you pass the eligibility checks, your creditors won't be able to add interest or fees to your debts, or take enforcement action, for 60 days. You'll still need to keep making your regular payments if you can afford to.
Breathing Space is not a payment holiday, so you'll have to continue paying your debts during this time, but it does prevent action from being taken against you if you’re unable to pay.
If you want to apply for Breathing Space, complete an online debt advice session or call us, and we'll guide you through the eligibility checks. If you're eligible and would like to apply for Breathing Space, we'll submit your application on your behalf.
Read our guide to find out more about how to apply for the breathing space scheme.
Get free, confidential debt advice online today and you could apply for 60 days' Breathing Space to relieve some financial pressure while you get debt advice and we set up your debt solution.
The timeline below shows the Breathing Space process. If you're eligible, you can use our free, online debt advice tool to start your application. Take a look at the eligibility criteria here.
Breathing Space could help relieve some of the pressure of dealing with creditors, and provide protection from interest and fees for its duration.
This should give you time to get debt advice and set up a solution to deal with your debts.
If you want to get your finances back on track, use our free, online debt advice tool and you could apply for Breathing Space to take the pressure off while you get the help you need.
If you need help with your finances, get free, confidential debt advice online or on the phone today. We'll find the best solution for your situation and help you apply for Breathing Space if you choose to.