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.
Somis is an unincorporated area of Ventura County, California, just north of the Camarillo city limits. Its generally recognized boundaries are the areas around the intersection of Somis Road and Los Angeles Avenue, the latter being the dividing line between uptown and downtown. Its official boundaries are any residences in the 93066 ZIP Code. It is in the area code 805. As of 2000, the total population was 2,946. It is primarily an agricultural area, but is home to a fire station, a hardware store, a market known as the Somis Market which is also a Mexican cafe, a post office, an elementary school, several shops including the Somis Nut House, one main residential tract and numerous estates and ranches. It has no formal local government, but it is serviced by the Ventura County Sheriff's Department and the Ventura County Fire Department.