Debt Respite Scheme (Breathing Space) guidance

Guidance for creditors and money advisers about Breathing Space



This guidance is for you if:

  • you are a creditor
  • you are a money adviser
  • a debt someone owes you is in Breathing Space
  • you are offering debt advice and are thinking of offering Breathing Space as an option
  • you need advice about Breathing Space

Money adviser guidance

In this guidance, you can also:

  • access the breathing space service
  • find out how to report technical issues
Published 24 December 2020
Last updated 4 May 2021 + show all updates
  1. Money Adviser guidance: Breathing Space access button added

  2. Money adviser guidance: IT address for technical issues added

  3. Added clarification on Universal Credit and DWP email addresses to 3.4 and 3.5 in creditor guidance and 7.10 and 7.11 in money adviser guidance.

  4. Creditor guidance: Extra advice on 2.1 applying for a breathing space, 3.4 stopping enforcement action and 3.12 receiving payments during a breathing space. Money adviser's guidance: Extra advice on 4.3 What you need to do before starting a mental health crisis breathing space, 4.10 Qualifying debt, 4.12 Request not to disclose address, 7.3 Your client’s additional responsibilities during a standard breathing space and 7.8 Additional debts or creditors identified after the breathing space starts

  5. First published.