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.
Hannibal is a city in Marion and Ralls counties in the U.S. state of Missouri. Hannibal is located at the intersection of Interstate 72 and U.S. Routes 24, 36 and 61, approximately 100 miles (160 km) northwest of St. Louis. The population was estimated at 17,432 in 2008. The Hannibal Micropolitan Statistical Area is composed of Marion and Ralls Counties.