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.
Annapolis is the capital of the U.S. state of Maryland, as well as the county seat of Anne Arundel County. It has a population of 36,524 (July 2008 est. ), and is situated on the Chesapeake Bay at the mouth of the Severn River, 26 miles (42 km) south of Baltimore and about 29 miles (47 km) east of Washington D.C. Annapolis is part of the Baltimore-Washington Metropolitan Area. The city was the temporary capital of the United States in 1783–1784 and the site of the Annapolis Peace Conference, held in November 2007, at the United States Naval Academy. St. John's College is also in Annapolis.