Debts & Mental Health
Debt and mental health are deeply linked. The UK has specific protections — including a Mental Health Breathing Space.
Mental Health Breathing Space — how it works
A Mental Health Crisis Breathing Space pauses interest, charges and enforcement while you receive crisis mental health treatment.
Read the full guideThe Debt and Mental Health Evidence Form (DMHEF)
A free form completed by a health professional that helps creditors treat you fairly.
Read the full guideRelated guides
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Joint Debts & Divorce
Joint debts remain joint until formally settled — regardless of what a divorce court decides. The distinction matters.
2 guidesDebts After Death
Debts are paid from the deceased person's estate. Family members are not personally liable — except in specific situations.
2 guidesDebts After Redundancy
Steps to take in the first weeks after job loss to protect your finances and stop debt problems building.
2 guidesCredit Cards
How credit card debt builds up, how minimum payments really work and the options if repayments are becoming unmanageable.
4 guidesPersonal Loans
Understanding personal loans, the difference between secured and unsecured borrowing, and what happens when you fall behind.
4 guidesPayday Loans
Short-term, high-cost credit designed to be repaid on your next payday. Rules changed in 2015 — knowing them is often the key to a refund.
2 guidesNot sure where to start? We'll walk you through it.
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