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In March 2022, two years into the pandemic, many individuals are reflecting on their past choices, particularly regarding financial decisions made during that time. A key concern among them is whether opting for forbearance was the right move, as well as the implications of loan modifications now being considered. People are questioning if entering forbearance was a mistake and whether pursuing a loan modification is advisable, considering how these decisions will affect their mortgages and overall financial future. The discussion revisits the context of March 2020 to explore these pivotal choices.
