It's important that you share all the relevant facts up-front, as if you change the story as we go along you will do little but create confusion. Yes, new facts can affect the relevance of information previously provided. Beyond that I suggest you learn the meaning of the word "default" and also that you avoid distorting what has previously been said. If in fact, despite your telling us that you lost your job and couldn't afford to make payments, you did not miss any payments, we would have no way of knowing why your cosigner or her trustee believed they were under an obligation to pay toward your debt - you would have to investigate and tell us.
In terms of forbearance, as you've indicated, you are receiving the effective benefit of forbearance right now. You are also free to apply for forbearance when the stay is lifted. So I'm not seeing that you've suffered any harm.

