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.
Berry Creek (formerly, Berry Valley) is an unincorporated community about 12 miles (19 km) northeast of Oroville, California in hilly terrain at 1,995 feet (608 m) above mean sea level. The community is located along Oroville-Quincy Highway on the shore of Madrone Lake. The US Geological Survey shows coordinates of 39°38′43″N 121°24′12″W / 39.64528°N 121.40333°W / 39.64528; -121.40333 for the town. The community is home to Berry Creek Elementary School (K-8). Berry Creek is inside Area code 530 and wired phone numbers follow the format (530) 589-xxxx. The community's ZIP code is 95916, and is shared with the community of Brush Creek, (which is about four miles or six kilometers east on Oroville-Quincy Highway). There is a California Department of Forestry and Fire Protection fire station at an area called Harts Mill just south of the community. This is a historic name for a community once located at 39°37′25″N 121°26′08″W / 39.62361°N 121.43556°W / 39.62361; -121.43556. Harts Mill was probably a mining community named for a stamp mill. The USGS lists a variant name of Virginia Mill for the area.