If an action for compliance with the terms of a contract is stayed under this subtitle, a fine or penalty does not accrue because of failure to comply with the terms of the contract during the period of the stay. A court may provide relief against the enforcement of a fine or penalty for nonperformance of a contract if the court finds that: a person failed to perform an obligation and a fine or penalty for nonperformance was incurred; the fine or penalty was incurred during the period that the person was a person in emergency management service or person suffering injury or damage; and the ability of the person to pay the fine or penalty or perform the obligation was materially impaired because the person was a person in emergency management service or person suffering injury or damage.