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.
Novato is a city located in the North Bay region of the San Francisco Bay Area, in northern Marin County. Novato is located about 10 miles (16 km) north-northwest of San Rafael, at an elevation of 30 feet above sea level (nine meters). As of 2009, the State of California estimated the city population to be about 52,737. Novato is about 30 miles (48 km) north of San Francisco on U.S.-101.