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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.
Should you want to apply for Breathing Space, it’s important to know:
If you want to apply for Breathing Space, 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.
When you get free, confidential debt advice, you can check if you’re eligible for 60 days’ Breathing Space, to give you time to focus on setting up a debt solution. Get started now, and we’ll help you through the process.
The timeline below shows the Breathing Space process. If you're eligible, you can get free debt advice from us 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, get free, debt advice by calling 0800 138 1111 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.