Breathing Space is a government debt respite scheme and provides protections for people living in England and Wales who are in debt. This includes pausing enforcement action and contact from creditors, and freezing interest and charges on their debts.
While most eligible consumers will access Breathing Space through debt advice services, those receiving mental health crisis care treatment will enter via the mental health access mechanism. Within this route, debt advisers will enter individuals into Breathing Space after receiving evidence that they are receiving crisis care from an Approved Mental Health Professional (AMHP).
The mental health access mechanism is a vital component of Breathing Space. It means vulnerable people who are not able to seek debt advice will still be able to receive protection. MaPS hosts a single point of entry for the mental health access mechanism, making it easier for mental health practitioners to send referrals through to a dedicated debt advice provider.
Learn more about applying for Mental Health Crisis Breathing Space.