Our Job: Calm the Pressure Fast, Then Build a Plan That Lasts

We help you stabilise quickly — usually by starting with Breathing Space — and then move you into a route that fits your numbers: DMP, IVA or DRO. We prioritise roof, heat, light and council tax, then roll eligible non-priority debts into one affordable payment.

How to Get Breathing Space in the UK (Step-by-Step)

1. We check you’re eligible and act as/with an approved adviser.
2. We list qualifying debts and notify creditors through the scheme.
3. Interest, charges and most enforcement pause while your plan is set up.
4. We build a budget and place you in the right route (DMP/IVA/DRO).

What it does: pauses most enforcement and interest/fees on qualifying debts for up to 60 days while you get advice and arrange a plan. Source: GOV.UK overview of the Debt Respite Scheme (Breathing Space). :contentReference[oaicite:0]{index=0}

Stop Council Tax Bailiffs — What to Say & Do Today

• Don’t let them in. Speak through the door; arrange affordable payments.
• Tell them you’re seeking debt help and request contact in writing.
• Ask us to help set up a realistic plan and request no further visits.

For council tax in England & Wales, bailiffs (enforcement agents) can’t force entry on a first visit. Citizens Advice guidance explains your rights and next steps. :contentReference[oaicite:1]{index=1}

CCJ Help — Stop, Set Aside or Vary a County Court Judgment

Got a claim form? You usually have 14 days to respond (or acknowledge for 28). Pay in full within one month to remove it from the register, or apply to vary to an affordable payment. If you never received the papers or have a strong reason, you can apply to set aside. Source: GOV.UK CCJ guidance. :contentReference[oaicite:2]{index=2}

Attachment of Earnings Order — How to Reduce or Suspend Deductions

If a court tells your employer to take money from your wages, you can apply to vary or suspend the order by showing your income & essential spending. See Civil Procedure Rules Part 89 for the process. :contentReference[oaicite:3]{index=3}

BNPL (Klarna, Clearpay) — In Arrears? How to Tidy It Up

• List every BNPL agreement with dates and balances.
• Tell providers you’re seeking debt help and ask about hardship support.
• Roll BNPL into your overall plan so nothing is missed.

MoneyHelper’s BNPL guidance explains risks and what to do if you can’t pay. :contentReference[oaicite:4]{index=4}

£1 Token Payment Letter — When It’s Sensible

If your budget is under acute pressure, short-term token payments (e.g., £1 per creditor) can hold the line while we set up a longer-term plan or while you wait for income changes. MoneyHelper has neutral guidance on speaking to creditors about temporary offers. :contentReference[oaicite:5]{index=5}

Is My Debt Statute-Barred After 6 Years?

In England & Wales, many unsecured debts may become statute-barred after 6 years with no payment or written acknowledgment and no CCJ. Don’t admit or pay until checked — request proof of liability and last activity date. Citizens Advice explains the rules clearly. :contentReference[oaicite:6]{index=6}

IVA vs DMP vs DRO — Which Route Fits Your Numbers?

IVA (Individual Voluntary Arrangement)

Formal, legally binding. One affordable payment; after successful completion, remaining eligible unsecured debt may be written off. Generally protects from most enforcement once approved.

DMP (Debt Management Plan)

Informal and flexible. One reduced payment to non-priority debts based on affordability. Interest reductions/freezes are often requested but not guaranteed.

DRO (Debt Relief Order)

For low income/low assets within set limits. Debts included are paused and may be written off after the period if criteria still apply.

Our 5-Part Process (Built for Real-World Budgets)

1. Quick check: essentials first (rent/mortgage, energy, council tax).
2. Eligibility: if suitable, start Breathing Space while we gather details. :contentReference[oaicite:7]{index=7}
3. Full picture: income & spending, creditor list, free credit check if needed.
4. Affordable number: one realistic payment you can actually keep.
5. Set-up & support: we place you with the right provider and stay with you.

Neutral Sources We Use

• GOV.UK — Breathing Space (Debt Respite Scheme) overview. :contentReference[oaicite:8]{index=8}
• Debt Respite Scheme Regulations 2020 (full legislation). :contentReference[oaicite:9]{index=9}
• Citizens Advice — Bailiffs for council tax: your rights. :contentReference[oaicite:10]{index=10}
• GOV.UK — County Court Judgments (CCJ) for debt. :contentReference[oaicite:11]{index=11}
• CPR Part 89 — Attachment of Earnings. :contentReference[oaicite:12]{index=12}
• MoneyHelper — Buy Now Pay Later & talking to creditors. :contentReference[oaicite:13]{index=13}
• Citizens Advice — Statute-barred debts (6-year rule). :contentReference[oaicite:14]{index=14}