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.
Valley is a city in Douglas County, Nebraska, United States. The population was 1,788 at the 2000 census. Valley is the hometown of Gail Rock, who used it as the basis for the small town Clear Rock in her Addie Mills books, of which "The House Without a Christmas Tree" is best known. The Town of Valley recently consolidated its public school system with neighboring town, Waterloo. The merged schools are called Douglas County West Community Schools. Valley is also home to the area's National Weather Service office, serving portions of eastern Nebraska and southwestern Iowa.