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

Wishlist Share

About Course

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.

Show More

What Will You Learn?

  • Explain the two types of Breathing Space and how long each lasts
  • Check who is eligible and how to apply through a debt adviser
  • Know which debts are protected and which are not
  • Understand what you must do during a Breathing Space and what happens afterwards

Course Content

Course Lessons

  • What Breathing Space is and who can get it
  • How to apply and what is protected
  • During and after a Breathing Space

Sources & Further Reading
The official guidance this course is based on.

Final Assessment

Student Ratings & Reviews

No Review Yet
No Review Yet

Want to receive push notifications for all major on-site activities?

✕