Al-Baqarah 2:280

Wa-in kana thoo AAusratinfanathiratun ila maysaratin waan tasaddaqookhayrun lakum in kuntum taAAlamoon

And if someone is in hardship, then [let there be] postponement until [a time of] ease. But if you give [from your right as] charity, then it is better for you, if you only knew.

If there is one in misery, then (the creditor should allow) deferment till (his) ease, and that you forgo it as alms is much better for you, if you really know.