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.
Gifford is an unincorporated community in southeastern Hardin County, Iowa, United States. It lies along local roads south of the city of Eldora, the county seat of Hardin County. Its elevation is 945 feet (288 m). Gifford's post office was established on 9 November 1875 and discontinued on 28 February 1907. Although the post office was reopened on 17 February 1908, it was again discontinued on 31 October 1954 and attached to the Union post office. Although its post office is gone, Gifford has its own ZIP Code, 52059, even though the ZIP Code system was not implemented until nearly nine years after Gifford's post office was attached to Union's.