Your question is very vague, but you can ask for an "extention" if you are looking to free up one to three monthes of regular payments. It will cost you the interest for that month "extended" and the payment still has to be made the following month like you normally would. Collections may use the term refusal.
Another word for avoiding payment on a debt is "defaulting." The language spoken in Wales is Welsh.
reparations
Debt
Paid.
Reparations
Pension.
owe
owe
reparation
Skint is one word you might use. "I am so skint".Debt is another, as in "he is in crippling debt".Broke is another word you might use. "Jack was broke".Poor is another word. "The family is very poor".
avoidance
avoid.