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.
Somerville is a town in Morgan County, Alabama. It is included in the Decatur Metropolitan Area, as well as the Huntsville-Decatur Combined Statistical Area. As of the 2000 census, the population of the town is 347. Somerville was the county seat of Morgan County from 1818 to 1891, when the seat was moved to Decatur. The town was named for Robert M. Summerville, an officer killed in 1814 during the Creek Indian War.