Breathing Space is a government-backed scheme designed to give anyone with problem debt time to access proper debt advice. Under the scheme your creditors must stop contacting you for 60 days and you cannot be evicted from your home in that time. The scheme is free and open to anyone who has at least one debt and isn’t able to pay the repayments or won’t be able to pay in the near future. People who are experiencing a Mental Health crisis can also access Breathing Space and can be in the scheme for longer than 60 days, but they must be receiving continuous mental health crisis treatment and have an approved mental health professional who the debt adviser can contact.
You can’t apply for Breathing Space yourself; you must be assessed by a debt adviser and must remain in contact with the adviser once they have assessed that you are eligible for the scheme. One Manchester’s One Money team are registered for Breathing Space and can help you to access the scheme and help you to look at debt solutions. Call 0330 355 1000 and ask for the One Money team.