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.
Scotia (formerly, Forestville) is an unincorporated community in Humboldt County, California. It is located 8.5 miles (13.7 km) south-southeast of Fortuna, at an elevation of 194 feet (59 m). The ZIP Code is 95565. Scotia is a company town, wholly owned by Pacific Lumber Company (PALCO), which is home to approximately 800 past or present mill employees and their dependents. Located in northwestern California's Humboldt County, its partially wooded hillside near the Eel River is highlighted by the sheer size of mammoth lumber mill buildings located between the town and the river. Via U.S. Route 101, the town is 28 miles (45 km) south of Eureka, California and 244 miles (393 km) north of San Francisco.