The forbearance period she secured from her mortgage servicer, JP Morgan Chase, expires on Aug. 31, and Longley has been receiving letters and emails from the bank saying she must agree to a post-forbearance plan, such as a loan deferral or modification, and begin making payments again. If she fails to select a repayment option, her account “will be considered delinquent and other protections will end,” a recent email concluded.