Site: nolo.com
... If you accept the servicer's offer, you pay the skipped payments at the end of the loan (rather than, ... from them. ... If the servicer offers a deferral, it doesn’t have to try to get additional information from the ... Under federal law, the servicer may start a foreclosure when the loan obligation is more than 120 days ... So, generally, borrowers who are in a forbearance plan for more than 120 days, and complete the plan ... Getting a Payment Deferral After a COVID-19 Forbearance ...