Stop collection pressure, avoid CCJs and explore IVA, DMP or DRO. If suitable, we start with Breathing Space to pause interest, charges and most enforcement while your plan is built.
✅ Start Free Debt CheckIf repayments are unaffordable, we focus on protection first. Where suitable, we help you enter Breathing Space so interest, charges and most enforcement are paused while we build a plan based on a verified budget. Then we guide you into the right route — IVA, DMP or DRO — and handle creditor contact in writing.
Also see: Stop Debt Collectors and the Debt Calculator for a quick affordability sense-check.
Start My Free Debt CheckTip: If the suggested payment is low or you’re being chased, ask about Breathing Space to pause interest and most enforcement while we verify your budget.
Send My Figures SecurelyKeep everything in writing, avoid promises you can’t keep, and share a realistic offer based on your verified budget. Many lenders consider freezing interest/charges when a fair plan is shown. If suitable, Breathing Space pauses most enforcement so you can focus on essentials and we can organise a long-term route.
Examples include Lowell, Capquest, Advantis, Moriarty Law and others. The name may differ from your original lender because debts are often assigned or collected by agencies.
Ask Us to Handle ContactCreditor list, balances and references; recent bank statements; and evidence of income/priority bills. We’ll help gather what’s needed quickly.
While protected, you should still pay priority bills like Council Tax and essentials wherever possible.
See If I Can Get Breathing SpaceBest where debts are around £6,000+ and income is steady. Once approved, interest and most enforcement are usually frozen; any remaining qualifying unsecured debt may be written off at completion (typically after 5–6 years).
One reduced payment to non-priority debts, reviewed against a fair budget. Interest freezes are requested but not guaranteed; many lenders cooperate when offers are realistic.
Suited to low income and low assets within set limits. Qualifying debts are legally paused and may be written off after the DRO period if criteria still apply.
Get a Personal RecommendationMissed payments can lead to default notices, debt collection and court claims (CCJs). Early support helps you avoid escalation. If a claim arrives, you still have options — we’ll check affordability, respond on time and move you into a protective route.
Where suitable, Breathing Space pauses most enforcement steps on qualifying debts while we finalise your plan.
If multiple debts are involved, try our Debt Calculator to map a realistic offer across creditors.
Avoid Escalation — Get Help NowIf checks were poor and payments were never realistically affordable, you may have grounds to complain. Start with the lender’s complaints team; if unresolved after eight weeks, you can take it to the Financial Ombudsman Service. We’ll help you gather evidence and avoid harmful promises while you wait.
Ask us about Breathing Space or an interim plan to keep priority bills safe and reduce contact stress.
Get Help With a ComplaintShow a verified budget and a fair proposal. Many lenders will consider stopping interest/charges when an affordable plan is in place. If suitable, Breathing Space can pause most interest and enforcement while that plan is arranged.
A default is normally recorded after persistent arrears. It can lead to collection activity or a court claim. Seek advice early — protections and realistic offers can prevent escalation and protect essentials.
When affordability is very tight, short-term token offers can reduce pressure while you gather documents, enter protections or move into a longer-term option such as a DMP, IVA or DRO.
Personal loans are unsecured and commonly included in both IVAs and DMPs. We’ll confirm eligibility and which route best fits your income stability and goals.
Standard protection lasts up to 60 days on qualifying debts while you engage with advice and set up a plan. There’s also a Mental Health route that can last longer while treatment continues.
Different protections and solutions apply (temporary moratorium, Trust Deeds, Debt Arrangement Scheme). Tell us your postcode and we’ll signpost correctly.
Get Help Tailored to My SituationYes. Personal loans are unsecured and commonly included. Once approved, most enforcement and interest are usually frozen.
During the protection period on qualifying debts, creditors should pause interest/charges and most enforcement and should not contact you about enforcement.
Often, yes — if the plan is affordable and verified. If affordability is very low or debts are high, an IVA or DRO may be safer.
Breathing Space itself isn’t an insolvency entry, but payment history still matters. Formal solutions impact credit during the term while giving a route to stability.
Different options apply (e.g., temporary moratorium, Trust Deeds, DAS). Tell us your postcode and we’ll signpost correctly.
Once we have the basics (debtor info, creditor list, balances and a verified budget), protections may begin quickly if suitable. We’ll prioritise urgent cases.
Ask Your Question — Get an AnswerGet protected with Breathing Space and move into a plan that fits your life. We keep priority bills safe, speak to creditors in writing, and guide you to the route with the best long-term outcome.
Start Free Debt Check