I don't have an answer, just questions. I live in Roseburg, OR. My loan is a USDA Rural Home Loan, purchased in 2008. The loan is now upside down about $60,000. The home also needs about $50,000 worth of renovations (mold in ceiling, bathroom leaks, heaters don't work, led based paint on all windows, windows need replaced, etc..). USDA doubled my mortgage payment from $853 up to over $1700. They would not refinance the loan for the current value of the house. Apparently the USDA is exempt from that. They would do a moratorium, but all that would do would be to add to the end of my loan. With the $1700 payments, I cannot pay that and fix the house. I don't want to fix a house that I can't afford the mortgage on. I stopped paying in February of 2015. I have communicated with them, and they are completely unwilling to do anything. I am single with three kids, but make too much to qualify for assistance through other programs. I received a notice from USDA in September of 2015 of their notice to foreclose, but I have not heard anything since. I have checked with the courthouse if anything has been filed yet. My biggest concern is them coming after me. I will be surprised if they get $80,000 out of that house, which means there would be over $100,000 remaining on the loan. Oregon is supposed to be exempt from that collection, but I am reading horrible things about the USDA. Judging by experiences thus far, it is not too far fetched to believe what I am reading. Any advice?