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.
Pala is a small, mostly Native American, community located in San Diego County, California near Fallbrook. It is east of Carlsbad in the San Diego-Carlsbad metro area. In the National Geographic Names Database it is officially catalogued as feature number 1661174. The community is in ZIP Code 92059, and inside area code 760. The community name may be derived from the Native American Cupeño or Luiseño language group term pal, meaning "water. " Another possible origin of the name is the Spanish word pala, which means "shovel. " The community is in the Pacific time zone. Pala is at an altitude of 404 feet, located at latitude 33°21′55″N 117°04′36″W / 33.36528°N 117.07667°W / 33.36528; -117.07667 (33.365N, longitude 117.075W).