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.