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[Music] seven Action News is making it our goal to help Metro Detroiters navigate through the financial crisis with our initiative the rebound Detroit tonight our amira David is here with advice for anyone considering deferring their mortgage payments as homeowners are struggling to pay their bills many are looking to their mortgage company for the option of taking a forbearance but as were finding out there are some things you need to consider when Jan from Chesterfield Township was told she could take a three month forbearance she initially felt relieved that is until she heard this meaning she would have to pay one lump sum once the forbearance period was done like many homeowners across the country Jan has been considering whether she should take advantage of the new policy offered by the cares Act that allows federally backed mortgage borrowers to put a pause on payments for up to a year the rule isnt clear now about repayment personal finance expert Joe Saul tsehai tells me bor