Breathing Space Debt Respite Scheme

Breathing Space debt respite scheme

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.

You should access this scheme via your debt advisor.

list of free debt advice providers is available.

Who to contact

Debt Respite Scheme (Breathing Space) guidance
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