60 days of legal protection from your creditors
Breathing Space freezes interest, stops enforcement, and pauses creditor contact — giving you the time you need to find a proper debt solution.
- 60 days
- Legal protection
- Frozen
- Interest & charges
- No contact
- From creditors
- Gov backed
- Official scheme
The advantages
What Breathing Space protects you from
Creditors must stop chasing you
No phone calls, no letters demanding payment, no doorstep visits. Creditors are legally required to pause all recovery action for 60 days.
Interest and charges frozen
No new interest, penalty fees, or default charges can be added to your qualifying debts during the protection period.
Enforcement action halted
Bailiff visits, court proceedings, and any other enforcement action must stop immediately once Breathing Space is registered.
Government backed
Breathing Space is an official government scheme, formally called the Debt Respite Scheme. It carries the full force of law behind it.
Most debts covered
Credit cards, personal loans, overdrafts, utility arrears, council tax arrears and most other unsecured debts qualify for protection.
Free to apply
There is no charge to apply for Breathing Space. Your adviser handles the entire process on your behalf at no cost to you.
How it works
How Breathing Space works
Day 1
Apply through us
Contact us for free advice. A qualified debt adviser will review your situation and submit a Breathing Space application to the Insolvency Service on your behalf.
Day 3
Protection starts
Once registered, all qualifying creditors are notified and must immediately comply. Interest is frozen, enforcement halts, and creditor contact is restricted.
Day 30
Midpoint review
Your adviser checks in to review your progress and begin exploring longer-term debt solutions such as an IVA or Debt Management Plan to put in place before the period ends.
Day 60
Solution in place
By the time Breathing Space ends, your adviser will have helped you move into a proper debt solution. The transition is seamless — your protection continues without a gap.
Check your eligibility
Is this right for you?
You’re likely a fit if…
- You have a debt problem you are struggling to manage
- You are getting debt advice from a qualified adviser
- You have not had Breathing Space in the last 12 months
- You are not currently in an existing insolvency procedure
It may not be right if…
- You have had Breathing Space in the past 12 months
- You are already in an IVA or bankruptcy
- Your debts are only secured debts (e.g. mortgage)
Questions
Questions, answered honestly
2-minute check
Struggling with debt? See your options in 2 minutes.
Free, confidential and non-judgmental. Start by telling us roughly how much you owe.
No obligation · Won’t affect your credit score