Section 766.114 - State-certified mediation or voluntary meeting of creditors(a) A borrower who is unable to develop a feasible plan but is otherwise eligible for primary loan servicing may request: (1) State-certified mediation; or(2) Voluntary meeting of creditors when a State does not have a certified mediation program.(b) Any negotiation of the Agency's appraisal must be completed before State-certified mediation or voluntary meeting of creditors.