Mental Health Crisis Breathing Space (MHCBS)

1. Overview

Mental Health Crisis Breathing Space is a debt respite scheme. It provides protections for people who are resident in England and Wales who are in problem debt and who are receiving mental health crisis treatment.

Having Breathing Space should stop you being contacted by someone you owe money to, or being charged fees and interest on your debts while you are receiving crisis treatment, and for a further 30 days after your mental health crisis treatment ends. This gives you 30 days to access support from a debt adviser once you are no longer experiencing a mental health crisis.

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