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Debt Respite Scheme

The legal framework behind Breathing Space in England and Wales, providing eligible debtors temporary protection from certain creditor action.

  • Breathing Space

    A statutory debt respite scheme in England and Wales that can temporarily pause certain creditor action, interest and charges for eligible debts.

  • Moratorium

    A temporary legal pause or restriction on certain creditor action while a debtor or company uses a qualifying statutory process.

  • Mental Health Crisis Breathing Space

    A form of Breathing Space in England and Wales for eligible people receiving qualifying mental health crisis treatment, with protections lasting for the treatment period plus a further period.

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