Many people are working part time to keep busy and are financially stable (retired people, students gaining work experience for a resume and whose parents are funding them, etc) and this will allow them to withhold payments to their housing provider regardless of their financial situation and ability to pay.

Instead write your creditor explaining how the current crisis has effected your cash flow and when you will resume payments but at this time you need to workout new terms.

I plan to resume W-2 work, but the economic downturn has put that at risk.All of these numbers exclude saving for repairs from high wear and tear from weekly renter turnover, saving for problems, etc.

When the world resumes normal operations, I'd be glad to meet up the next time you're in Charlotte. 

And staying above the fray, I suggest you consider Black Diamond Real Estate Investors when we resume our meetings. 

I am airing on the side of positivity on this and would like to believe most things will resume to normal, at least a new normal. 

Accordingly, once we conclude the risk from the crisis has receded and the market has returned to more normal conditions, we expect to resume processing redemptions.

I advised them to file for unemployment and resume payments ASAP.

Typically it is a plan to bring the loan current.In this case, we are simply deferring payments and extending the loan without any performance requirements, other than they resume making payments on a future date . 

Once normal life resumes, I’d encourage you to visit.