Breathing Space moratorium
Debt, arrears & collectionsThe period when most debt enforcement is paused under the UK Breathing Space scheme.
Overview
The standard moratorium usually lasts around 60 days.
It gives time to get debt advice and plan repayments.
Why it matters
- It provides short-term relief from enforcement.
- It gives time to create a repayment plan.
- It can prevent escalation while you seek help.
FAQs
Can all debts be included?
Not all debts qualify. Rules vary by debt type.
Does Breathing Space affect my credit report?
The scheme itself is separate, but existing debts still affect your report.
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