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.
Joes is an unincorporated town and a U.S. Post Office in Yuma County, Colorado, United States. The Joes Post Office has the ZIP Code 80822. In 1929, the Joes High School basketball team won the Colorado state basketball championship, defeating teams from much larger Colorado towns such as Fort Collins and Denver. The Joes team then traveled to Chicago to participate in a national championship. The smallest school in the tournament, the "Wonder Boys" advanced to the semifinals before losing to Classen High School of Oklahoma City. The success was notable given the small size of the school. Author Nell Propst, in The Boys From Joes (1988) noted that the ten-man basketball team represented half of the male enrollment in the school, which in 1929 numbered 20 boys and 16 girls. Their 1921 high school lacked a gymnasium, forcing the team to practice on a gravel court outside. The school's coach, Lane Sullivan, knew little about the sport of basketball and gained most of his knowledge from a book he obtained from a college basketball coach in Kansas. Joes returned in 1930 to win a second state championship.