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.
Kearny is a town in Hudson County, New Jersey, United States. It was named after Civil War general Philip Kearny. As of the United States 2000 Census, the town population was 40,513. The town is a suburb of the nearby city of Newark. Kearny was originally formed as a township by an Act of the New Jersey Legislature on April 8, 1867, from portions of Harrison Township. Portions of the township were taken on July 3, 1895, to form East Newark. Kearny was incorporated as a town on January 19, 1899, based on the results of a referendum held two days earlier.