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.
Utica is a city in the American state of New York, and the county seat of Oneida County. The city of Utica is situated within the region referred to as the Mohawk Valley and the Leatherstocking Region in Central New York State. Utica has an extensive park system, with winter and summer sports facilities. Utica and the neighboring city of Rome are principal cities of the Utica–Rome, New York Metropolitan Statistical Area, which includes Oneida and Herkimer counties.