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.
Alplaus is a hamlet located in Schenectady County, New York, USA. Its name is derived from the Dutch Aal Plaats, or "Place of the Eels". Alplaus is in the southeast corner of the Town of Glenville. Some may consider it part of the hamlet of East Glenville; however, it is generally recognized as a separate community. For the 2000 census, Alplaus is part of the East Glenville census-designated place. Alplaus has the smallest population in a zip code (12008) within the continental United States. Census data for the ZIP Code Tabulation Area (ZCTA) associated with Alplaus for the 2000 census had a total population of 431 people in 175 households.