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.
Hermantown is a city in St. Louis County, Minnesota, USA. The population was 7,448 at the 2000 census. A suburb of Duluth, Minnesota, it has been the only city in the county to report population growth as much of the area's residential and commercial expansion occurs there. Hermantown is located on the tip of Lake Superior. The eastern section of the city has an appearance typical of a lower-density bedroom community, with large, leafy lots and occasional subdivisions. The car-oriented "mall area" Miller Trunk Corridor of Duluth has sprawled well past the border into this part of Hermantown. The western part is dominated by a more rural landscape, reminiscent of the past agricultural focus of the city. Hermantown's motto is "The City of Quality Living ". One of Hermantown's more interesting features is the proliferation of "Jackson Homes" on certain roads. These single-family dwellings were built during the Great Depression as subsistence homesteads. Many today retain their original brick appearance, albeit with additions. Hermantown's current mayor is Wayne Boucher, who won a 2008 election against opponent Susie Stockinger.