Forbearance agreement is what your lender will offer you when you call. So Don't call! br Why? Because forbearance plan is not good for you. Your lender will simply create a payment plan for all that you owe. The sum total will be divided to a few months and added to you regular monthly mortgage bill. br You could not afford your mortgage in the first place how in the world you can afford a forbearance plan? br br Yes it is true that legal services cost money but there are times in life that I had to use a legal professional and this was one of those times. You know why? It is very simple my lawyer represented MY best interest while negotiating with the lender and I got the results that I wanted. I would have never in a million years be able to even speak with a decision maker when I called my lender on my own. If your home is important to you fight for it the best way legally possible.