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.
Bivalve is a small town along the eastern shore of the lower Nanticoke River, near its mouth on the Chesapeake Bay, in Wicomico County, Maryland, United States. Bivalve takes its name from the oyster, upon which the town's economy once depended. It is part of the Salisbury, Maryland Metropolitan Statistical Area.