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.
Bakersfield is a city at the southern end of the San Joaquin Valley in Kern County, California, United States. It is located roughly equidistant between Fresno and Los Angeles, 110 mi (180 km) to the north and south respectively. Bakersfield is the 11 fastest growing city in California. As of 2009, the population was estimated at 333,719 within the city limits, making it the 11th largest city in California and the 57th largest city in the United States according to U.S. Census estimates. The Bakersfield Metropolitan Statistical Area (MSA) has a population of 800,458 making it the 64th largest metropolitan area in the country. It is California's third largest inland city, after Fresno and Sacramento. The city's economy relies on agriculture, petroleum extraction and refining, and manufacturing.