In St Helens, 477 residents entered the Breathing Space scheme in 2025, according to government figures.
The scheme offers a 60-day period of legal protection from creditor action, interest, and charges, giving people time to get debt advice and plan a way forward.
Jack Sporcic, a debt adviser from National Debtline, said: “Behind every Breathing Space application is someone trying to find a way to cope.
“At National Debtline, we’re hearing from people who have never struggled with their finances before, but rising costs have pushed them into difficulty.
“Breathing Space gives people time and protection, and our advisers can help people understand if it is right for them.
“Everyone’s situation is different…