Breathing Space
Debt, arrears & collectionsA UK scheme that pauses most debt enforcement actions for a limited period.
Overview
Breathing Space gives you time to get debt advice and plan repayments.
During the period, most interest and charges are paused.
Why it matters
- It offers short-term relief from debt pressure.
- It can prevent escalation while you seek help.
- It does not remove the debt, only pauses enforcement.
FAQs
How long does Breathing Space last?
The standard period is usually 60 days, but it depends on the scheme rules.
Does Breathing Space affect my credit score?
It may be recorded by some lenders, but the main impact comes from existing debts.
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