This is where a 6-month hold is requested as you are not able to repay your debts for a period of time.
This will not resolve your debt problems, so it is important to work towards a long-term solution.
You should send a copy of your financial statement with a holding letter to ask your creditor to suspend interest and other charges so that your debt does not increase.
They can refuse, but you can keep asking.
Sample letters
You can find templates for sample letters to creditors on Citizens Advice.
Advantages
Allows you to focus on making payments to your priority debts and helps maintain goods and services.
Provides you with some time to look at long term solutions without constant contact from your creditors.
Your creditors will understand your situation and can make informed decisions about collection of the debt.
Disadvantages
Creditors do not have to hold recovery. They can refuse your request and continue to add interest and charges.
This may affect your credit rating.
It does not repay your debts.