This is a place that was affected by the dam breaking in 2015...

The tax collector, mortgage holder, and insurance company likely won't be extending you any breaks.

It may be safe to assume that even if a large number of people come down with the virus, and even if social distancing in 2020 makes remote work and online schooling more widespread, the kids will still attend college on campus far into the foreseeable future (online classes don't match in-person instruction perfectly, and the social benefits of campus life can make or break careers, too).

In case of a lawsuit, that will be the most important document that will break or strengthen your position.

Buyers have leverage right now, gives us a break since the past few years have been nuts

I think that point also can get lost in the discussion of who "deserves" a break, fairness, etc.Would it be "fair" for me to ask a bond holder to forgive my debt since I am having such a hard time? 

Sring Break or CoronaVirus ?

--https://www.latimes.com/business/story/2020-03-08/oil-price-war-Oklahoma shale producers break even at $21 to $48 per barrel (i would think its closer to $40 in Oklahoma) -https://oilprice.com/Energy/Energy-General/Why-The-Oklahoma-Shale-Boom-Isnt-Taking-Off.html-Oklahomas state budget is made counting on oil selling for $54 per barrel it is currently at $31 per barrel and dropping - https://kfor.com/news/local/dark-clouds-could-be-on-states-horizon-as-oil-prices-drop-to-30-year-low/-While oklahoma's economy is very diverse it will be hit if prices do not rebound in the near future - https://oklahoman.com/article/5627150/state-chamber-provides-new-analysis-on-oil-gas-industrys-impact-on-oklahomas-economy-and-tax-revenues-Oil and Gas would fall under mining and make up 22% of the GDP for oklahoma see page 11 - https://www.ok.gov/oesc/documents/lmiEconIndPub.pdfThe Good The Bad and The Ugly -Good - oil and gas prices may come up if Russia gives in on this play. 

You do not want to break chain of control and stop your title policy. 

How did you break down the monthly expenses so nicely?