Introduced in 2021, the Mental Health Breathing Space is a legal protection that stops most creditor action, freezes interest and pauses enforcement while you are receiving mental health crisis treatment. It lasts for the duration of the treatment plus 30 days.
It can only be started by an Approved Mental Health Professional (usually via your care team). Ask them, or a debt help team member working with them, to apply on your behalf.
There is also a Standard Breathing Space (60 days), available to anyone struggling with debt, that provides a shorter version of the same protections. Free debt help services can apply for a Standard Breathing Space alongside a full support appointment.
Related reading
Debts & Mental Health
The Debt and Mental Health Evidence Form (DMHEF)
A free form completed by a health professional that helps creditors treat you fairly.
ReadJoint Debts & Divorce
Joint debts after separation — what stays with you
A divorce court order between you and your former partner doesn't bind third-party creditors. Both of you may still be fully liable.
ReadJoint Debts & Divorce
Joint debts after separation
Splitting up doesn't split the debt — both parties remain legally liable until the balance is cleared or refinanced.
ReadDebts After Death
Who pays debts after someone dies
The estate pays. Not the family. Understanding the exceptions matters.
Read