Breathing Space Debt Respite Scheme

It’s essential to get free debt guidance as soon as you can if you’ve fallen behind on priority bills, or are facing any debt emergency, including:

• court summons
• having your utility bills cut off
• having your home, car or goods repossessed
• being contacted by bailiffs

You can contact a member of our teeam by calling 0333 305 0521

Monday – Friday 8am-8pm
Saturday 9am-5pm

Budgeting is a great way to get in control and on top of your debts. By following our budgeting advice, you should be able to work out your total income and outgoings and clearly visualise what money you have left each month to pay to your creditors.

We suggest making a list of your creditors, along with money owed and due dates. Making a note of this information with pen and paper is an invaluable way of relieving the likelihood of forgetting payment dates and helps you feel on top of things.

If you’re not sure what debts you have outstanding, don’t worry. Just give us a call, and we will offer a free soft credit check facility.

Cut back unnecessary spending by ending any subscriptions that you don’t need. Give your phone, water, electricity, gas and internet providers a call to see if you are on the most suitable plan for you. You might be paying for more than you use per month, which could save you money.

There are many free comparison websites online, which may be helpful to find out the cheapest options for you, from car insurance to your weekly food shop.

Ensure that you’re receiving as much money as you’re entitled to. Consider whether you have any spare time to fit in some overtime or even a second job. There may be benefits that you unknowingly qualify for or similar help from the government or local council.

Check out our debt solutions page and read about what we have to offer you. We show you the advantages/disadvantages of the individual solutions for you to make an educated decision as to which route is best to take.

There are several unique options, so make sure that you take the time to read about and understand what each one would mean for you. If necessary, discuss with family or your partner to see which is best for your situation.

Furthermore, you can contact or request a free call back from one of our experienced team who will help you find the right solution for you and help you with any queries or uncertainties you may have.

Facing debt is the only way that it will go away. A simple call to us can get the ball rolling. We can assess your circumstances and ultimately get you on your way to getting your debt under control.

Not only will being active about your debts help you clear them quicker, but it also will relieve enormous stress from you and those around you who may be affected.

We have our very own in-house insolvency professionals ready to set you on your path to a debt solution. This means we can quickly help you establish your eligibility and decide upon the most appropriate solution.

The information we give is free, and there is no obligation to sign up for anything after your initial telephone consultation.

We think the world of money can be a complicated place, as decisions about overcoming financial difficulty are big, especially when there are many possible solutions out there. We understand this, and that’s why we like to keep things simple.

There’s no pressure from us to make a quick decision, and we’re here when you’re ready to move forward.

Read our success stories from real-life customers who had an experience worth shouting about. 99% of customers would recommend us to friends or family.