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.
Napa is the county seat of Napa County, California. It is the principal city of the Napa county Metropolitan Statistical Area, which encompasses Napa county. As of the 2000 census, the city had a total population of 72,585. The area was settled in the 1830s. It was incorporated as a city in 1872.