relieve the pressures of being in debt with the debt respite scheme

See what debt solutions are available to you:

  Write off unaffordable debt
  Reduce & consolidate debts
  Freeze interest and charges
  Legal protection against creditors
Disclaimer: May not be suitable in all circumstances. Your credit rating may be affected. For guidance only. Fees apply. Results are not definitive advice. Financial information entered must be accurate and would require verification. Other factors influence your most suitable debt solution.

Eligibility Check

Money Helper is an important service set up by the government. They provided free debt counselling, debt adjustment and credit information. Money Helper is part of the Money & Pensions Service. We are not affiliated with Money Helper in any way

The Debt Respite Scheme

Commonly referred to as the Breathing Space, the Debt Respite Scheme is designed to give people time to get debt help. It’s a government scheme that gives you a 60-day respite period from enforcement pressure, and can help relieve some of the burden caused by being in debt.

During this time, interest and charges from creditors are frozen, although you will have to keep making your regular payments if you can afford to.

Breathing Space isn’t available to everyone. There are certain criteria you need to meet to benefit from the Breathing Space scheme. Speak to one of our advisors today.

3 Benefits of The Debt Respite Scheme

Freeze interest and charges

Your creditors cannot add interest or charges to debt included in the respite scheme.

Relieve pressure

You cannot be contacted by creditors or collection agencies regarding debt that has been included in the respite scheme.

No enforcement action

Creditors will not carry out any enforcement action on debts included in the scheme during the respite period.


Am I eligible for the Debt Respite Scheme?
To be eligible you must live in England or Wales and have not been on the Debt Respite Scheme in the last 12 months. You also must not currently be in a debt arrangement such as a Debt Relief Order or Individual Voluntary Agreement (IVA). We recommend you speak to an adviser to understand if this is the best option for you.
What happens during the relief period?
Once you are in the scheme, all creditors will be informed and they will pause collection and enforcement activity for 60 days. This is a temporary measure, so after the relief period is finished collection and enforcement activity will resume. The relief period gives you time to find a long-term solution to deal with your debts.
Does the Debt Respite Scheme cover all debts?
Most debts are covered but there are some exceptions, for example student loans, court fines, child maintenance, personal injury damage and others. For full information speak to one of our advisers so we can find the right solution for you.
Mental Health Crisis Breathing Space Scheme
This scheme offers help for people who are struggling with debts and who are also receiving mental health crisis treatment. In this scheme your respite period lasts as long as your mental health treatment plus an additional 30 days. An Approved Mental Health Professional (AMHP) will need to confirm that you are receiving treatment.
Get help with debt
A Debt Relief Scheme can relieve some of the pressure during a very stressful time, and give you the opportunity to find a long-term solution to your debt. However, you have to meet certain criteria to be eligible for the scheme. To find out whether it’s the best solution for you, contact us today to speak to one of our experts.


Answer a few quick questions

Use our easy online questionnaire to start your journey and see how we can help. Once complete a friendly member of our team will be in touch to discuss your situation.

Speak to a debt specialist

Book a telephone consultation today – You can speak to a specialist immediately. Alternatively, if you are not ready to talk to someone use our unique contact-free fact-find service.

Choose your plan

Once we’ve assessed your personal circumstances you are free to choose the best option for you. This is 100% confidential and with no obligation to choose any of the solutions we discuss.