What We Do — Debt Help That Protects You First

We help people across the UK who are struggling to repay debt. Our first step is protective: if suitable, we help you enter Breathing Space (Debt Respite Scheme) so interest, charges and most enforcement are paused while we build a plan that fits your budget.

Next, we set up the route that’s right for you — an affordable DMP, a formal IVA (with legal protections once approved) or a DRO if you meet strict low-income criteria. Everything is explained in plain English, with no pressure and no upfront fees for formal solutions we refer to.

Our Process — Simple, Accurate, Stress-Free

We do the heavy lifting so you don’t have to call around and repeat the same details ten times. Here’s how we work:

1. Make an enquiry or WhatsApp us. Message us on WhatsApp or use the online form to get started fast.
2. Welcome call & full financial review. We phone you to go through income, bills, dependants and spending in detail.
3. Total up your debts. We confirm balances and, with your consent, run free credit searches if needed to ensure nothing is missed.
4. Bank statements & accurate budget. With permission we review statements to build a fair budget and confirm what you can truly afford to repay — 100% accurate.
5. Match you to the right provider. We place you with a suitable DMP provider or a licensed Insolvency Practitioner for an IVA/DRO that fits your needs and affordability.
6. Set-up & support. We coordinate the set-up and creditor communications so you can focus on life, not phone calls.

Quick Access

Breathing Space (Debt Respite Scheme): How It Protects You

What it does

Breathing Space is a government scheme in England & Wales that pauses interest, charges and most enforcement on qualifying debts while you work with an approved adviser. Standard Breathing Space lasts up to 60 days. During this period, creditors should not contact you for payment or take most new enforcement action.

Why we lead with Breathing Space

• Reduces immediate pressure so you can focus on priority bills
• Stops most collections escalation while we organise your budget
• Creates a calm path into a sustainable solution (DMP/IVA/DRO)

Neutral sources: GOV.UK (official scheme overview), MoneyHelper, Citizens Advice.

Breathing Space Eligibility & What We’ll Ask For

Basic checks

• You live in England or Wales and have qualifying problem debt
• You’re not already in a formal solution that would exclude entry
• You agree to work with a debt adviser and engage during the period

Useful documents

• List of creditors, account numbers and balances
• Recent bank statements and income evidence
• Essential bills (rent/mortgage, council tax, utilities)

We’ll help gather information quickly — you don’t need everything perfect on day one.

Mental Health Crisis Breathing Space

If you’re in mental health crisis treatment certified by an Approved Mental Health Professional (AMHP), protections last for the duration of treatment plus 30 days. We’ll work with your care team to ensure the right documentation is in place and that your creditors are notified properly.

• Same protections as standard Breathing Space
• No 12-month waiting limit between uses while you qualify
• Sensitive handling and trauma-informed communication

Which Debts Are Covered by Breathing Space?

Generally covered: most personal unsecured debts — credit cards, loans, overdrafts, store/catalogue accounts, BNPL and many arrears (e.g., utilities).

Treated differently: secured borrowing (e.g., mortgages and HP) — the secured element isn’t included. You should keep paying priority bills if they fall due during the period. We’ll explain what qualifies in your case.

Stopping Bailiffs, Interest & Most New Legal Action

Once you’re in Breathing Space, creditors should not contact you to demand payment and should pause most enforcement. This typically includes halting bailiff action and freezing interest/charges on qualifying debts while protections are active. If you still receive contact, we’ll respond in writing and reference the scheme rules.

• Enforcement paused on qualifying debts for the protection period
• Interest and charges on qualifying debts are typically frozen
• We keep everything in writing to avoid confusion

What Happens After Breathing Space Ends?

Breathing Space is a window to set up a sustainable plan. Before it ends, we’ll help you move to the best route for your numbers:

• DMP — informal, flexible, affordable payment to non-priority debts (interest freeze not guaranteed)
• IVA — formal solution; once approved, most enforcement and interest are usually frozen and remaining qualifying unsecured debt may be written off at completion
• DRO — strict limits; suited to low income and low assets

Our promise: budget-first, defendable offers and zero pressure. If another free charity is better placed for you, we’ll signpost.

IVA, DMP or DRO — Choosing the Right Route

IVA — Individual Voluntary Arrangement

Best when debts are around £6,000+ and you have a steady income. Once approved, it usually freezes most enforcement and interest. After successful completion, remaining qualifying unsecured debt may be written off. Typical term: 5–6 years.

DMP — Debt Management Plan

An informal plan with one reduced payment to non-priority debts based on what you can afford. Interest reductions/freezes are commonly requested but not guaranteed. Flexible if income varies.

DRO — Debt Relief Order

For people with low income and low assets within set limits. Legally pauses included debts and may write them off after the DRO period if criteria still apply. Low-cost and quicker than bankruptcy.

Clear, Verified Guidance

For added reassurance, here are neutral sources that explain Breathing Space and formal solutions clearly:

• 🏛️ GOV.UK — Breathing Space (Debt Respite Scheme)
• 🧭 MoneyHelper — Dealing with debt
• 🤝 Citizens Advice — Debt solutions
• 🛡️ StepChange — Debt info

Frequently Asked Questions

Will Breathing Space stop all calls and letters?

Creditors should not contact you about enforcement or demand payment on qualifying debts during the protection period. If you still receive contact, we’ll step in.

Can I enter Breathing Space more than once?

Standard Breathing Space is generally once every 12 months. The mental health route isn’t limited by the 12-month rule while you remain eligible.

Does Breathing Space fix my debts by itself?

No — it’s a protective pause. We’ll use the period to set up a workable plan so you have a path after protections end.

Will this affect my credit file?

Breathing Space itself isn’t a registered insolvency solution. However, any existing or ongoing payment issues can still appear. Choosing the right next step helps stabilise things.

Is there a Scottish equivalent?

Scotland has different legal options, e.g., a temporary moratorium before a Trust Deed or DAS. Ask us if you’re in Scotland and we’ll signpost appropriately.

Start Your Fresh Start Today

Get 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.