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.
Noel is a city in McDonald County, Missouri, United States, along the Elk River. The population was 1,480 at the 2000 census. It is part of the Fayetteville–Springdale–Rogers, AR-MO Metropolitan Statistical Area. Noel is one of a few "Christmas Cities" in America, along with North Pole, Alaska, Christmas, Michigan, Santa Claus, Indiana and Bethlehem, Pennsylvania. Each year, tens of thousands of Christmas cards and letters are sent to the USPS Noel Post Office during the holiday season to be stamped with a postmark reading, "Noel, Mo. - 'The Christmas City in the Ozark Vacation Land. '" This practice became popular by the late 1940s when Kate Smith, a radio and television singer, began telling the "Noel Story" during her broadcasts.