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.
Westfield is a town in Union County, New Jersey, United States. As of the United States 2000 Census, the town population was 29,644. The old village area, now the downtown district, was settled in 1720 as part of the Elizabethtown Tract. Westfield was originally formed as a township on January 27, 1794, from portions of Elizabeth Township, while the area was still part of Essex County, and was incorporated as a one of New Jersey's first 104 townships by an Act of the New Jersey Legislature on February 21, 1798. It became part of the newly-formed Union County on March 19, 1857. Portions of the township have been taken to form Rahway Township (February 27, 1804), Plainfield Township (April 5, 1847), Cranford Township (March 14, 1871), Fanwood Township (March 6, 1878, now known as Scotch Plains), Mountainside (September 25, 1895) and Hillside (April 3, 1913). The Town of Westfield was incorporated on March 4, 1903, replacing Westfield Township.