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.
Fair Oaks is a census-designated place (CDP) in Sacramento County, California, United States. It is part of the Sacramento–Arden-Arcade–Roseville Metropolitan Statistical Area. The population was 28,008 at the 2000 census. Fair Oaks's zip code is 95628 and its area code is 916. Fair Oaks is bounded on the south side by the American River, and Rancho Cordova, on the north side by the city of Citrus Heights, on the west side by Carmichael, and the east side by Orangevale. Fair Oaks is known for its mix of suburban and semi-rural neighborhoods.