Breathing Space: The Debt Respite Scheme (England & Wales)

Learn how the Debt Respite Scheme, known as Breathing Space, can pause most creditor action, interest and charges while you get debt advice. Covers the standard and mental health crisis versions, who qualifies, which debts are included and what you must keep paying.

This course gives general information only. It is not financial, tax or legal advice, and Tutwoo is not authorised by the Financial Conduct Authority to give financial advice. Figures and rules were checked against official sources on 30 October 2026 and can change. For help with your own situation, use free guidance from MoneyHelper or speak to a regulated adviser.

© 2026 Tutwoo UK Limited. This course was created in-house by Tutwoo and is our original work. It is for your own learning only: please do not copy, share, record or resell it.