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.
Arcata is a city adjacent to the Arcata Bay (northern) portion of Humboldt Bay in Humboldt County, California, United States. In 2006 Arcata's population was estimated to be 17,294. This college town, located 280 miles (450 km) north of San Francisco, is home to Humboldt State University.