Is taking a break from regular payments on your mortgage, credit card or a loan for example a good way to help you through financial difficulties?

Charmaine Cozier asks what you should consider before deferring regular payments and whether there are alternatives or long term consequences for your money.

We'd love to hear your questions, experiences and views so please e-mail moneybox@bbc.co.uk now.

On the panel are:

Sam Nurse, Money Advice Hub.
Your Debt Doctor, Ripon Ray.
James Jones, Experian.

Presenter: Charmaine Cozier
Producer: Diane Richardson
Editor: Emma Rippon