How Breathing Space works stage by stage in England and Wales, from the debt adviser conversation through the 60-day moratorium to what follows it.
Category: Debt Help
Free advice, Breathing Space and formal debt solutions.
What Happens When a County Court Judgment Is Made Against You
A plain-English guide to county court judgments for unpaid payday loans: the claim pack, the 14-day deadline, paying within a month and your credit file.
Six Bankruptcy Myths That Stop People Asking for Help
Bankruptcy myths checked against the official process: what is written off, the £680 fee, the 12-month discharge, publicity and the alternatives.
Debt Relief Orders for Beginners
A starter guide to Debt Relief Orders: who qualifies, how to apply for free, what the 12-month moratorium involves and what happens afterwards.
A Timeline for an IVA: What Happens and When
A month-by-month guide to an individual voluntary arrangement, from free debt advice and the creditors’ vote to annual reviews, completion and discharge.