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.
Sonoma is a historically significant city in Sonoma Valley, Sonoma County, California, USA, surrounding its historic town plaza, a remnant of the town's Spanish colonial past. Sonoma today is a center of wine industry for the Sonoma Valley AVA Appellation, as well as the home of the nationally recognized Sonoma Valley Film Festival. Sonoma's population was 9,128 as of the 2000 census. Sonoma was the capital of the short-lived California Republic.