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.
Berwick is an unincorporated community in Polk County, Iowa, United States, on the east bank of Fourmile Creek. It is part of the Des Moines–West Des Moines Metropolitan Statistical Area. In the early 20th century, Berwick and Norwoodville, a mile southwest, were home to several coal mines. The Norwood-White shaft No. 1 (also known as the Klondike No. 1) was 215 feet deep, accessing a 4-foot thick coal seam. By 1908, this mine extended over roughly 200 acres. Norwood-White shaft No. 2 was half a mile to the east. This mine was newer, covering over 40 acres in 1908. The Delaware Coal Company had a shaft a mile northwest of Berwick, with a shaft 170 feet deep. By 1908, this mine covered less than 15 acres. In 1914, Norwood-White produced over 100,000 tons of coal, ranking among the top 24 coal producers in the state.