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.
Climax is a village in Kalamazoo County in the U.S. state of Michigan. The population was 791 at the 2000 census. The village is located within Climax Township on the northern boundary with Charleston Township, and is roughly 15 miles west of Battle Creek and 10 miles east of Kalamazoo. Climax shares a school district with the neighboring town of Scotts. Almost everything in Climax is located on the main cross streets, Main and Maple. The school, cemetery and Harvester restaurant all lie along South Main St. North Main boasts the relatively new music studio (housed in what used to be an independent hardware store), a convenience store, the village library, park, phone company and post office, the bank, Peace Community Church, a few homes, and the town newspaper: the Climax Crescent . Maple is almost entirely residential, with the exception of the United Methodist Church and Sinclair's Market.