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.
Moraga (incorprating the former communities of Moraga Town, Rheem, and Rheem Valley) is an affluent suburban incorporated town located in Contra Costa County, California, United States, in the San Francisco Bay Area. It is named in honor of Joaquin Moraga, whose grandfather was José Joaquin Moraga, second in command to Juan Bautista de Anza. As of the 2000 census, Moraga was the 79th wealthiest place in the US with a population above 10,000. It is also the home of Saint Mary's College of California, a Catholic university with 3,962 undergraduate and postgraduate students in the 2007-2008 schoolyear. The college was originally located in San Francisco and then Oakland, but moved to Moraga in 1928. As of 2000, Moraga had a total population of 16,290, not including the college.