Regarding debt respite, which statement is accurate about the two forms of breathing space?

Regarding debt respite, which statement is accurate about the two forms of breathing space?

• A. Standard 60 days; mental health crisis length of crisis plus 30 days
• B. Standard 90 days; mental health crisis 60 days
• C. Standard 30 days; mental health crisis length
• D. Standard 120 days; mental health crisis length plus 60 days

Answer: (A)

Breathing space protects someone in debt while they get advice and decide on next steps, pausing most creditor action. There are two forms. The standard form lasts 60 days, during which most enforcement actions are stopped. The mental health crisis form lasts for the duration of the mental health crisis plus 30 days after the crisis ends, giving additional protection through treatment and recovery. So the accurate description is that the standard form is 60 days and the mental health crisis form extends for the length of the crisis plus 30 days. The other duration options don’t reflect these statutory timings.

Breathing space protects someone in debt while they get advice and decide on next steps, pausing most creditor action. There are two forms. The standard form lasts 60 days, during which most enforcement actions are stopped. The mental health crisis form lasts for the duration of the mental health crisis plus 30 days after the crisis ends, giving additional protection through treatment and recovery. So the accurate description is that the standard form is 60 days and the mental health crisis form extends for the length of the crisis plus 30 days. The other duration options don’t reflect these statutory timings.