To do this, the lender will generally agree to pay attention to its right to accelerate the debt and pursue other remedies for a period of time. If mortgage borrowers are unable to meet their repayment terms, lenders can opt for foreclosure. To avoid foreclosure, the lender and borrower can enter into an agreement called “leniency.” Under this agreement, the lender will delay their right to foreclosure if the borrower can catch up on their payment plan by a certain amount of time. This deadline and the payment schedule depend on the details of the agreement accepted by both parties. .