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.
Skull Valley is a small, unincorporated, and rural, ranch community in Yavapai County, Arizona, United States. It is located twelve miles west of Prescott. There is a general store, a gas station, a cafe, an elementary school, an autoshop, a fire station, a church, and a post office. As of the 2003 census, the population in the Skull Valley Elementary School District was 525 people. Skull Valley was home to George Phippen (1915–1966), a well known western artist, co-founder and first president of the Cowboy Artists of America.