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Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure. Shortly after buying this home XX/XX/year> I fell short due to divorce and my job. They put me on a Covid relief plan. After restarting my payments this last XXXX my mom was sick and we missed one month. Then they told me a few months later that I couldnt make any payments anymore that I would have to repay a whole year and a half. I tried telling them I was taking care of my mom that she was not doing well. They wanted proof but I was not able to do so at that time. My mom has recently passed away this XXXX.