The Debt Respite Scheme (or Breathing Space) aims to help relieve some of the pressure of dealing with your creditors. You can apply for 60 days breathing space.
This gives you temporary protection from most types of debt collection, while you take action to get on top of your debts.
It's free to apply for breathing space, but you can only apply once in a 12-month period.
You still need to keep making your regular payments, such as ongoing housing costs, utility bill and taxes.
Breathing space is not a payment holiday, so you'll have to continue paying your ongoing liabilities during this time. But it does prevent action from being taken against you if you’re unable to pay.
How to apply
You can only apply for Breathing Space through a debt advisor. You cannot apply for it yourself.
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