Breathing Space - The Debt Respite Scheme

The Debt Respite Scheme (Breathing Space) guidance comes into force on 4 May 2021. It gives a person with problem debt the right to legal protections from their creditors.

The Scheme will safeguard certain debtors from their creditors when they have problems with their debt. It offers two types of breathing space:

1.      A standard breathing space

2.      A mental health crisis breathing space

 More information

For guidance on The Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) Regulations 2020, visit