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.
Lodi is a city located in San Joaquin County, California, in the northern portion of California's central valley. The California Department of Finance's population estimate as of Jan. 1, 2009 is 69,411. In recent years it has become an increasingly popular exurb for commuters priced out of home ownership in the San Francisco Bay Area. Lodi is best known as a center of wine production (the "Zinfandel Capital of the World"), although its vintages have traditionally been less prestigious than those of Sonoma and Napa counties. However, in recent years, the Lodi Appellation has become increasingly respected for its Zinfandel wine and other eclectic varietals. Nearby Woodbridge is the home of the well known winery, Woodbridge by Robert Mondavi. Mondavi grew up in Lodi, and Mondavi Winery is considered one of the most influential in the American wine industry. Lodi gained international attention in 2005 when local residents Hamid and Umer Hayat were arrested and charged in the first terrorism trial in the state of California.