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None. I was on a forbearance since the pandemic started due to my job shutting down. I have worked at another place but with the reduction in pay Ive struggled to pay all the bills. My morgage company was just doing emails with the forbearance extensions so that was a huge help. I just needed 1 more extension and I could begin to make payments as my job will be opening back up at the end of the year. On the month before my extension was set to expire I submitted an update to request another extension. As has been customary they said dont call and that it will be done via email. Well a month later I got a letter in the mail that I was late. About 2 days later I got the XXXX statement and it said I was still covered under forbearance so I didnt know what to believe. Then I called my mortgage