If you participated in a mortgage forbearance due to COVID-19 hardships, or other payment deferral plan offered by your mortgage company, and are unclear about how you will repay those missed payments, contact me. Many, but not all, of these programs allow for missed payments to be put on the back end of the loan or repaid over an extended time in addition to maintaining the ongoing regular payments. I can help you determine your options regarding missed mortgage payments and how that component fits into your overall debt reorganization.