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.
Ragland is a town in St. Clair County, Alabama, United States southeast of Ashville. At the 2000 census the population was 1,918. It is part of the Birmingham-Hoover-Cullman Combined Statistical Area. An F4 tornado struck southwest from here at 10:55 in the morning on Palm Sunday March 27, 1994. The National Weather Service of Birmingham issued a tornado warning for northern Calhoun, southeastern Etowah, and southern Cherokee counties at 11:27. The tornado destroyed Piedmont's Goshen United Methodist Church twelve minutes later.