U.S. v. Gomiller, 545 F.Supp. 17 (N.D. Miss. 1981)

The court found that a borrower with limited education, who was advised by a Farmers Home Administration (RD’s predecessor agency) official that she did not qualify for a moratorium based on his informal calculations, did not waive the right to apply for a moratorium even after she received additional notices advising her of the availability of moratorium relief because she was discouraged from making further inquiries or to appeal the informal adverse decision. Accordingly, the court abated the foreclosure action until the borrower could apply for relief and, if necessary, appeal the decision.