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.
Harvard is a town in Worcester County, Massachusetts, United States. A farming community settled in 1658 and incorporated in 1732, it has been home to several non-traditional communities, such as Harvard Shaker Village and the utopian Transcendentalist center Fruitlands. Today it is an affluent residential town noted for its excellent public schools (Its students consistently ranking in the state's top ten test results in English and Math). The population was 5,981 at the 2000 census.