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.
Columbia is a planned community that consists of ten self-contained villages, located in Howard County, Maryland, United States. Columbia is a suburb of Baltimore and, to a lesser degree, Washington, D.C. It began with the idea that a city could enhance its residents' quality of life. Creator and developer James W. Rouse saw the new community in terms of human values, not just in terms of economics and engineering. Opened in 1967, Columbia was designed to not only eliminate the inconveniences of then-current subdivision design, but also eliminate racial, religious, and income segregation. Today, Columbia has a population of about 97,200 and is the most populous census-designated place in Maryland. By the early 2000s, the town had acquired many of the characteristics of other contemporary U.S. suburbs, such as increasingly large private homes on large parcels and "big box" retail stores accessible mostly by automobile. Rouse's ethos remains a strong influence upon the physical and political development of Columbia.