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.
Seiad Valley is a small unincorporated town in Siskiyou County, California situated 15 miles south of the Oregon border. A population of approximately 300 people is clustered around the Klamath River, State Route 96 and spread out along the surrounding creeks. The three craggy peaks of the Lower Devil's look over the forested valley, which is completely surrounded on all sides by the green Klamath Mountains, just north of the Marble Mountains Wilderness area. The Pacific Crest Trail, which runs all the way from Canada to Mexico, passes through the West Side of Seiad Valley. A general store/cafe/post office, a forest service station, an elementary school, a small trailer park, and the former Wildwood restaurant/inn make up central portion of the town; beyond that are small agricultural/herding fields, a scattering of residences, and the bridges crossing the Klamath River. Seiad Valley is within zip code 96086, but itself is not incorporated and so has no strictly defined boundaries.