CeMAP MRT2 Debt Consolidation question: breathing space last

CeMAP MRT2Debt Consolidation

Pete, in Wales, is receiving mental health crisis treatment, and an approved debt adviser starts a mental health crisis breathing space. His treatment lasts four months. How long does the breathing space last?

A 60 days from the start, as for a standard breathing space
B For the four months of treatment only
C For the four months of treatment plus 30 days
D For 12 months, regardless of treatment

Show the answer and explanation

Answer: C. For the four months of treatment plus 30 days

The Insolvency Service guidance on the Debt Respite Scheme (England and Wales) Regulations 2020 (checked 11 Oct 2026) says a mental health crisis breathing space lasts as long as the crisis treatment plus 30 days, however long the treatment lasts. The 60-day limit applies to a standard breathing space. The scheme covers England and Wales, so Pete qualifies.

Common mistake

Applying the standard 60-day period to a mental health crisis breathing space.

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Original practice material mapped to the published CeMAP MRT2 learning outcomes. Independent, not endorsed by Walbrook (formerly LIBF). Verify figures and rules against current guidance before relying on them.