Breathing Space — Pause Debt Collection for 60 Days
Breathing Space (officially the Debt Respite Scheme) gives you a 60-day period where most creditors must stop all enforcement action, freeze interest and charges, and stop contacting you. It gives you time to get debt advice and work out a plan.
How It Works
During a Standard Breathing Space:
- Creditors cannot contact you about the debt
- Interest and charges are frozen
- Enforcement action is paused (including bailiffs)
- County Court Judgement (CCJ) proceedings are paused
- Lasts 60 days
Who Can Access It
You can get Breathing Space if:
- You are an individual (not a business)
- You have problem debt (debt you can't pay)
- You are receiving debt advice from an approved provider
- You haven't had Breathing Space in the previous 12 months
How to Get Breathing Space
You cannot apply directly. A debt advice provider must apply on your behalf:
- StepChange (0800 138 1111)
- Citizens Advice
- National Debtline
Mental Health Crisis Breathing Space
If you're receiving mental health crisis treatment, you can get a Mental Health Crisis Breathing Space which:
- Lasts for the duration of your treatment plus 30 days
- Can be applied for by your mental health professional
- No 12-month restriction on reapplication
What Debts Are Included?
Most debts including: credit cards, personal loans, overdrafts, utility arrears, council tax, rent arrears. Not included: student loans, court fines, child maintenance.
Frequently Asked Questions
Can creditors still contact me during Breathing Space?
During Breathing Space, most creditors cannot contact you about debt collection. However, they can send you statements and notifications about your account balance.
Does Breathing Space affect my credit file?
Breathing Space itself does not appear on your credit file. However, any missed payments before Breathing Space started will still be recorded.
Related Guides
Dealing with Debt Collectors — Know Your Rights
Understanding your rights when dealing with debt collectors in the UK. What they can and cannot do, and how to respond effectively.
Debt and Mental Health
Guide to managing debt when you're struggling with mental health. Extra protections available, how to get help, and looking after yourself.
Sources & Further Reading
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