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.
Pinconning is a city in Bay County in the U.S. state of Michigan. The population was 1,386 at the 2000 census. It is included in the Bay City, Michigan Metropolitan Statistical Area. The city is locally noted for production of cheese products, especially Pinconning cheese. M-13 passes directly through Pinconning, and I-75 is only three miles from the heart of the city. Pinconning Area Schools has one high school (Pinconning Area High School), a middle school that shares a building with the high school, and three elementary schools. The school district covers a large portion of northern Bay County, including Pinconning, Linwood, Garfield, Mt. Forest, and Bentley, and part of eastern Gladwin County, including Estey and Rhodes. The Pinconning Spartans high school softball team won state championships in 1989, 1993, and 2000. The volleyball team won a state championship in 1992. The Pinconning Boys Varsity Bowling Team won the State Championship in 2008, with Chad Skinner qualifying second individually while leading Pinconning to a regional title. A weekly newspaper, The Pinconning Journal, is published, and can be mailed around the country.