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.
Vandalia is a city in Fayette County, Illinois, 69 miles (111 km) northeast of St. Louis, on the Kaskaskia River. In 1900, 2,665 people lived in Vandalia; in 1910, 2,974; and in 1940, 5,288. The population was 6,975 at the 2000 Census. It is the county seat of Fayette County, the home of the Vandalia State House State Historic Site (1836), and was a terminus of the National Road. In 1819, it was decided to move the state capital from Kaskaskia to Vandalia. Since 1839, Springfield has been the capital.