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.
Wilbraham is a town in Hampden County, Massachusetts, United States. It is also a suburb of the City of Springfield, Massachusetts and part of the Springfield Metropolitan Statistical Area. The population was 13,473 at the 2000 census. Wilbraham was originally divided between North Wilbraham and Wilbraham. North Wilbraham was home to the industrial side of the town along with the Boston & Albany Railroad Line which is still in use today. Wilbraham was home to the farms and the Wilbraham & Monson Academy. At one time North Wilbraham even had its own zip code which was 01067. However the term North Wilbraham is now very rarely used. Part of the town comprises the census-designated place of Wilbraham. In 1928, author H. P. Lovecraft visited Wilbraham, after which he modeled the fictional town of Dunwich in his story The Dunwich Horror.