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.
Scotland, in St. Mary's County, Maryland, is a small town near the southernmost end of the state, on the western shore of the Chesapeake Bay. There is a boys' summer camp, operated by a police department. Nearby are the tiny town of Ridge and Point Lookout beach, the former site of a Civil War prison camp.