Breathing Space Debt Scheme – Freeze Debt & Stop Bailiffs

The Breathing Space debt respite scheme is a government-backed plan that temporarily stops enforcement action, interest, and charges on your debts — giving you time and space to get proper help. If you're being chased by creditors, threatened with bailiffs, or struggling with anxiety over your finances, Breathing Space may be the lifeline you need.

At Fresh Start Debt Support, we help people across the UK enter Breathing Space quickly, confidentially, and without judgment. It’s the first step to longer-term solutions like an IVA, Debt Management Plan, or Debt Relief Order.

How the Breathing Space Scheme Works

Once you're accepted into the Breathing Space scheme, your creditors must pause enforcement action for up to 60 days. This includes:

✅ No bailiff visits or repossessions
✅ No new interest or fees added to eligible debts
✅ No court action or eviction notices during the period

To apply, you need to speak with a registered debt advisor. At Fresh Start Debt Support, we can connect you with the right person and ensure your application is processed quickly — especially if you're under pressure from creditors or dealing with anxiety.

Who Qualifies for Breathing Space?

You may qualify for the standard Breathing Space scheme if you meet these conditions:

✔ You're based in England or Wales
✔ You owe money to at least one creditor
✔ You are struggling with problem debt or missed payments

If you're receiving treatment for a mental health crisis, you may qualify for the Mental Health Crisis Breathing Space, which lasts as long as your treatment and continues for 30 days afterward.

This version offers stronger protections and doesn’t require active debt advice while you’re in treatment.

What Debts Are Covered by the Breathing Space Scheme?

The Breathing Space scheme covers most common problem debts, including:

Credit cards, overdrafts, and payday loans
Utility bills (gas, electric, water)
Council tax arrears
Personal loans and catalog debts
HMRC debts such as income tax or National Insurance
Benefit overpayments (Universal Credit, Housing Benefit, etc.)

It does not cover secured loans like mortgages, court fines, or student loans. However, if you’re being harassed over unsecured debts, this pause could be vital to help you stabilise your finances and access further help.

Breathing Space vs Long-Term Debt Solutions

While Breathing Space gives you up to 60 days’ temporary protection, it’s not a long-term solution. Once the pause ends, creditors can resume action unless you've entered a more permanent plan like a:

Each of these options offers structured, long-term ways to repay (or write off) debt. Our team can assess your full situation and help you choose the best path forward.

Why Choose Fresh Start Debt Support?

We’re here to do more than just pause your debt problems — we help you solve them for good. Our small, friendly team treats you as a person, not a number. We offer support on the same day, with no judgment and complete confidentiality.

✅ Over 10 years of combined experience helping UK residents with debt
✅ Fast help — we act quickly to reduce your stress
✅ Personal support — we take on fewer clients so we can focus fully on you

What Happens After Breathing Space Ends?

Once your 60 days are up (or longer if it’s the mental health route), your creditors can legally resume contact. That’s why we use the breathing space time to prepare your long-term solution — whether it’s an IVA, DMP, or even applying for a DRO.

We’ll make sure you’re not left with nowhere to turn once the pause ends. Our aim is a true fresh start.

Frequently Asked Questions

Is Breathing Space right for everyone?

It’s best for people overwhelmed by creditor pressure who need short-term protection. If you’re already in a plan, or qualify for a DRO or IVA, you might not need it — we’ll guide you.

Can bailiffs still visit me during Breathing Space?

No — bailiffs (enforcement agents) are legally prevented from visiting, seizing goods, or contacting you during the Breathing Space period.

Can I still get Breathing Space if I’m on benefits?

Yes. Many people who qualify are receiving Universal Credit or other support. You don’t need a certain income to access it.

Does Breathing Space affect my credit score?

No. The scheme is not recorded on your credit report. However, it doesn’t stop missed payments from affecting your file if you don’t pay.

Is this service free?

Yes. The initial advice and breathing space setup support are free. If you choose to enter a long-term plan like an IVA or DMP, we’ll clearly explain any costs involved.