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.
Morganza is an unincorporated community in St. Mary's County, Maryland, United States. Today, it is home to a few homes and St. Joseph's Catholic Church, which had been in the area since 1759. The current church on Route 5 at the top of the hill was built in 1860 and the Morganza Post Office was established there in 1867, named after the Morgan family. The post office is now located across from Chopticon High School. Morganza was home to two public one-room school houses and the church opened a parochial school for white students in 1926 and for black children in 1927. St. Joseph's original cemetery is located at the bottom of the hill along Route 5 and for many years was forgotten under dense underbrush, but has since been cleared. The current 4-acre cemetery across from St. Joseph's was purchased in 1904.