What should be done when a borrower is financially distressed but current on payments?

When a borrower is financially distressed but current on payments, providing the FSA-2512 and FSA-2513 forms is the most appropriate action. These forms are part of the assistance mechanism provided by the Farm Service Agency (FSA) to help assess the borrower's financial situation and determine what types of assistance may be applicable. The FSA-2512 is typically used to document the borrower’s financial status and can facilitate discussions about potential solutions, while the FSA-2513 helps in reviewing the borrower’s eligibility for financial assistance programs.

Addressing the borrower's distress proactively ensures that they receive the necessary support before their situation worsens, allowing for the exploration of options such as loan restructuring or other assistance programs that can help stabilize their financial condition. This action is focused on addressing the borrower's needs comprehensively and can prevent further issues that might arise if the situation goes unaddressed.