StepChange Debt Charity

StepChange Debt Charity is a leading UK charity providing free, impartial, and confidential debt advice.

Helping individuals manage and overcome debt problems by offering tailored advice, support, and various debt solutions

Breathing Space scheme
Take a short break from the pressure and stress of debt. Breathing Space gives you up to 60 days to make plans to deal with your debt, without added pressure from the people you owe.

Breathing Space gives you a break from interest, fees, and court action for up to 60 days. It is a government scheme and sometimes called:

  • The Debt Respite Scheme
  • The Breathing Space Scheme 

Helpline open Monday to Friday 8am to 8pm and Saturday 9am to 2pm

Last updated: 25 June 2025