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.
Kotzebue is a city in Northwest Arctic Borough in the U.S. state of Alaska. According to 2005 Census Bureau estimates, the population of the city was 3,237. Kotzebue gets its name from the Kotzebue Sound, which was named after Otto von Kotzebue, who explored the sound while searching for the Northwest Passage in the service of Russia in 1818.