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.
Verbena is an unincorporated community in southeastern Chilton County, Alabama, United States. Named for the indigenous verbena, Verbena developed into a popular resort location for the more affluent citizenry of Montgomery, the state's capital, during the yellow fever outbreaks of the late 19th and early 20th centuries. Many stately homes, some of which have undergone recent renovation and restoration, line the streets of the town as a reminder of this historic past. The town was built beside the railroad currently owned by CSX Transportation. In its heyday, Verbena had two hotels, a bank, a post office, and a general store. Many of those buildings are gone or boarded up today, but the Verbena United Methodist Church still stands on County Road 59 near the town's center.