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.
Delano (pronounced deh-LAY-noh) is a small city in Kern County, California, United States. Delano is located 31 miles (50 km) north-northwest of Bakersfield at an elevation of 315 feet (96 m). The population was 38,824 at the 2000 census. As of 2009, Delano's population is estimated to be 53,972. It is Kern County's second largest city after Bakersfield. Agriculture is Delano's major industry. The area is particularly well known as a center for the growing of table grapes. Delano is also home to two California state prisons, North Kern State Prison and Kern Valley State Prison. The Voice of America once operated its largest, most powerful shortwave broadcast facility outside Delano at 35°45′15″N 119°17′7″W / 35.75417°N 119.28528°W / 35.75417; -119.28528. However, the Voice of America ceased broadcasts in October 2007, citing a changing political mission, reduced budgets, and changes in technology. Delano's two school districts currently operate eight elementary schools, three middle schools, three comprehensive high schools and two alternative high schools. The city has its own police department and contracts with the Kern County Fire Department for fire services, EMS services are privately provided by local company, Delano Ambulance Service. Delano maintains a "sister city" relationship with the town of Arida, Wakayama, Japan