If you are not ready to use a debt solution or you can’t afford to right now, the government backed Breathing Space scheme can you give you extra time.
If you are eligible, you could get 60 days of breathing space where your creditors can’t:
- contact you
- take action to make you pay
- add interest and charges to your debt
It covers most debts, including credit and store cards, loans, overdrafts and arrears on household bills.
You will need to get advice from a debt adviser first - they will check all your debts to see if they’re covered.
If you are getting mental health crisis treatment, you might be able to get breathing space from your creditors for the whole time you’re getting crisis treatment, plus 30 days after.
Find out more about the Breathing Space scheme on GOV.UK.