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A Forbearance is a reduced or suspended payment for a period of time. At the end of the Forbearance, the missed payments will be due and payable. CIS will work with you on a plan to reinstate the loan based on insurer/investor Loss Mitigation guidelines. In the event Loss Mitigation options are not available, you will be responsible for reinstating the past due balance. At that time, normal collection practices will commence including, but not limited to Foreclosure.