has anyone had a forebearance? how do you do this?

Answer 1

Call your lender, explain the situation, and ask for help. If they are reasonable, they'll work with you. If they are a**holes, they'll foreclose on you. I've seen it go both ways. Lenders holding a second trust deed are much more likely to foreclose on you than those holding a first, so if you have a first and a second, it may be better for you to keep paying on your second if you can put your first into forbearance. Good luck.

Answer 2

I have not, but do know others that have. You contact the creditor and tell them you have hit some financial hardship and would like a forebearance on your payment.