Mental Health and Substance Misuse

Debt Management: Breathing Space

Breathing space is a Debt Respite Scheme, that aims to help individuals by offering financial help from a debt advisor. The scheme give people in a mental health crisis support with the right to legal protections from their creditors.

Further information can be found in the Treasury for Mental Health Crisis Breathing Space guidance.

There are two different processes for both MHCBS scheme and the standard Breathing space scheme.

The standard process can be read in full detail in the structure chart.
The second advanced process chart outlines how the MHCBS works.

These two processes have to apply to your circumstances, only then can you be eligible. Please read carefully.

Last updated: 02 March 2022