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.
Sebastopol is a town in Sonoma County, California, United States, approximately 52 mi (80 km) north of San Francisco. The population was 7,774 at the 2000 census, but its businesses also serve surrounding rural portions of Sonoma County, totaling about 50,000 people. It is about a 20-minute drive from the Pacific Ocean, between Santa Rosa and Bodega Bay, and is known for its liberal politics and small-town charm. It was once primarily a plum and apple growing region; wine grapes, however, are now predominant, and nearly all lands once used for orchards are now vineyards. World-famous horticulturist Luther Burbank had gardens in this fertile region. The city hosts an annual Apple Blossom Festival and Gravenstein Apple Fair. Sebastopol is also the home of publisher O'Reilly Media, which publishes books on open-source software and other topics, and international camera bag manufacturer Lowepro Inc. Primus lead singer/bassist Les Claypool, singer/songwriter Tom Waits, singer/songwriter Nick Gravenites, and actor Peter Krause currently reside in the area. Sebastopol is home to Analy High School, Laguna High School, Brook Haven Middle School, Gravenstein Elementary School, Hillcrest Middle School, Twin Hills Middle School, Pine Crest Elementary, Apple Blossom Elementary, along with many other private and charter schools.