Are StepChange actually any good?

peteuk

I had a DMP with CCCS and then Stepchange (when they changed their name)  for me they are very good at what they do.  

Going back to the OPs situation.  Breathing Space will give you just that, during which you can take time in assessing the situation, however to me it seems SC have done this already.   The breathing space will buy you time, but I fear little will change to your circumstances within the breathing space, which is why SC have gone to the DMP. 

Things with SC dont happen over night, so if you agree to the DMP you may still be contacted by debtors and collectors.  Im not to up on the breathing space but with Mental Health now being such an important issue (rather than ignored like it was years ago) then it would I believe act quicker to stop them short term. 

Good luck with sorting things out and I hope your health improves.