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.
Valley Ford is an unincorporated community in western Sonoma County, California, United States. It is located on State Route 1 in an area of rolling hills about 75 minutes north of San Francisco by automobile. Like all of Sonoma County, Valley Ford is included in both the San Francisco Bay Area and the Redwood Empire. The village lies just north of the Estero Americano, about 5 mi (8 km) from the Pacific Ocean. It is 7 mi (11 km) north of Dillon Beach and 9 mi (14 km) east of the town of Bodega Bay.