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.
Zarephath (pronounced ZARRA-fath) is an unincorporated area of Franklin Township in Somerset County, New Jersey, United States. It is the communal home to the Pillar of Fire Church and houses their Christian K-8 school (which closed in June 2009) and college, publishing facilities, farm and radio station WAWZ-FM. It is named after Zarephath, the place in the Bible where the "widow woman" sustained the prophet Elijah. Zarephath is a group of buildings located between the Delaware and Raritan Canal and the Millstone River.