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.
Modena is an unincorporated hamlet in Ulster County, New York, United States. It is located in the northwestern corner of the town of Plattekill, centered at the junction of the US 44/NY 55 concurrency and NY 32. It has the ZIP Code 12548. It takes its name from Mary of Modena, newly wed to James II when it was first settled in the late 17th century. Today it in turn lends its name to a service area nearby on the southbound New York State Thruway. It has long been a primarily rural community with minimal development, although that has been changing enough for Hannaford to build one of its supermarkets on Route 32 just south of the junction.