What is the most logical next event?

How to negotiate mortgage forbearance
Understand how forbearance can benefit you.
Forbearance provides a temporary suspension or reduction of your mortgage payments. For this reason, it may help you stay in your home until your financial situation improves.
Forbearance can be a useful way to get out of a financial hole caused by illness, divorce, or the loss of a job. The lender cannot file foreclosure against you once you have negotiated a mortgage forbearance agreement, unless you default on the repayment plan.