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.
Hilmar (formerly, Hillmar) is an unincorporated community in Merced County, California. It is located 4.25 miles (6.8 km) west-southwest of Delhi, at an elevation of 92 feet (28 m). For census purposes, Hilmar is aggregated with nearby communities into the census-designated place Hilmar-Irwin, California. Hilmar began as a colony of Swedish immigrants in 1917. The first post office opened in 1920. Hilmar was the southernmost station of the Tidewater Southern Railway. The line terminating in the town was considered the mainline of the railroad and was projected to continue south toward Fresno or Bakersfield until the mid 1930s. The line into Hilmar was abandoned in the late 1950s.