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England

Breathing space and mental health crisis moratoriums

A breathing space or mental health crisis moratorium can give a debtor respite from enforcement for eligible debts.

This content applies to England

Last updated: 24 January 2023

  • Guide to breathing space for tenants

    How a breathing space or mental health crisis moratorium affects the possession process for tenants in rent arrears.

  • Breathing space moratoriums

    A breathing space moratorium under the debt respite scheme gives a person in debt a 60-day pause in enforcement action from their creditors.

  • Mental health crisis moratoriums

    A mental health crisis moratorium under the debt respite scheme gives a break in creditor enforcement action for a person receiving mental heath crisis treatment.

  • Possession proceedings

    Breathing space and mental health crisis moratoriums prevent landlords and lenders from taking possession due to rent or mortgage arrears.