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so were getting to march of 2022 literally two years from the start of the pandemic and a lot of people are starting to look back at the last two years and reassess some of the choices that they made during that time and what that means for their future one of the biggest things people are wondering is did i make the right choice or did i my life by making choices two years ago about forbearances and now what were talking about low modifications was all of that a good idea was it a good idea to go into forbearance and now youre coming out of forbearance is it a good idea to get a loan modification or to try to pay off the uh month the amounts of money that you owe was it a mistake to go into forbearance in the first place and are you making a mistake now that youre looking at the possibility of being a loan modification and how that is going to affect the rest of this mortgage and the rest of your life [Music] so im going to take you back in time to march of 2020 at that time as