In Warrington, 379 people entered the Government’s Breathing Space programme in 2025, which offers a 60-day period free from additional interest, charges, and creditor action.
The scheme, also known as the Debt Respite Scheme, provides individuals with time to seek debt advice and develop a manageable repayment plan.
Since its introduction in 2021, a total of 1,704 people in Warrington have used the scheme, reflecting the broader pressures facing households across the country.
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…