Forbearances are actually down month over month as of today too.
Financial Times has an excess mortality tracker to compare year over year so 'fudged' numbers need to be accounted for somehow:
Curious what you think the spike in excess deaths this year is because of if not Covid? 23% higher than historic average, about 150k more than usual.
Would really appreciate you backing up your thoughts with anything other than conspiratorial garbage. You have a right to be a selfish prick as much as you want, but your opinions don't agree with evidence.