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Candace is in Texas hey Candace welcome to the Dave Ramsey show how can we help you today hi and so we are in the December 4th or only that is our mortgage and today we found out that my husbands contract position with his company is ending on Friday and our mortgage company is offering a forbearance option for kobas related income issues and I was just wondering if I get your advice on whether we should take the forbearance or use our emergency fund way that we just finished savings to pay for our mortgage and expenses so what does he do and he works at an advertising or in a healthcare industry in the advertising space time so if his own contract his job is come and go anyway in it well its the contact was actually over and they just kept him going for months and months now because they really like him but its the company that he is contacted through they just have kept him so what was his plan career-wise if the contract had ended other than in the middle of ours they put a fre