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.
Santa Barbara is a city in Santa Barbara County, California, United States. Situated on an east-west trending section of coastline, the longest such section on the West Coast of the United States, the city lies between the steeply-rising Santa Ynez Mountains and the sea. Santa Barbara's climate is often described as Mediterranean, and the city is sometimes referred to as the "American Riviera. " As of the census of 2000, the city had a population of 92,325 while the contiguous urban area, which includes the cities of Goleta and Carpinteria, along with the unincorporated regions of Isla Vista, Montecito, Mission Canyon, Hope Ranch, Summerland, and others, had an approximate population of 220,000. In addition to being a popular tourist and resort destination, the city has a robust economy which includes a large service sector, education, technology, health care, finance, agriculture, manufacturing, and local government. In 2004, the service sector accounted for fully 35% of local employment. Education in particular is well-represented, with five institutions of higher learning on the south coast The Santa Barbara Airport serves the city, as does Amtrak. U.S. Highway 101 connects the Santa Barbara area with Los Angeles to the south and San Francisco to the north. Behind the city, in and beyond the Santa Ynez Mountains, is the Los Padres National Forest, which contains several remote wilderness areas.