Advertisement
Request Breathing Space Letter Template
How to request the 60-day breathing space moratorium on creditor action — what to include, your legal rights, and a free letter generator.
← All Letter Templates · Debt & Financial · Last updated 18 August 2026
This is free rights guidance, not legal advice. For advice specific to your situation, see our About page or contact Citizens Advice.
If you need to request the 60-day breathing space moratorium on creditor action, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong request breathing space should include, plus a free tool to generate yours.
What this letter needs to cover
- Identify the debts requiring protection
- Confirm the route to Breathing Space (standard moratorium via a debt adviser
- Or mental health crisis moratorium with evidence from an Approved Mental Health Professional)
- Request that creditor action and interest are paused for the statutory period
See our full letter template library for related templates, or use our free checkers for guidance specific to your situation.
Ready to write yours?
Answer a few questions and get a professionally drafted letter, ready to send — free, no account needed.
✉️ Generate This Letter Free →Related reading
Comments
Comments are loading…