Foreclosure is the cutting off or termination of a right to property to compel payment of a mortgage or other debt secured by a lien. As to real property, like a house or land, foreclosure is started because of non-payment of the debt and leads to the selling of the property to which the mortgage or lien is attached in order to satisfy that debt. Lawyers who assist with foreclosure issues help struggling homeowners consider their options -- both foreclosure and foreclosure alternatives -- and determine the best course of action. Foreclosure alternatives may include loan modification, short sale, forbearance, reinstatement, and repayment plans.
Daphne is a city in Baldwin County, Alabama, on the eastern shoreline of Mobile Bay. The city is located just off I-10, 11 miles east of Mobile and 150 miles southwest of the state capital of Montgomery. The 2000 census lists the population of the city as 16,581 making Daphne the most populous city in Baldwin County. The city estimates its present population at approximately 18,000 in 2008. It is a principal city of the Daphne–Fairhope–Foley Micropolitan Statistical Area, which includes all of Baldwin County. The inhabited history of what is now called Daphne dates at least to the Paleo-Indian period and Native American tribes around 9,000 BC. Modern day Daphne is a thriving suburb of nearby Mobile with all the expected amenities of 21st century life.