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.
West Valley is a hamlet located within the town of Ashford in Cattaraugus County, New York, United States. Located at the intersection of Cattaraugus County Route 53 and State Route 240, the hamlet is home to West Valley Central School and the West Valley Demonstration Project, a nuclear cleanup facility. Because of the presence of a school district, a telephone exchange (716-942), and a post office located in (and named after) the hamlet, many people mistake West Valley to be the name of an actual town or village. However, it is not recognized by the U.S. Census Bureau, nor does it have any autonomous government separate from the town of Ashford.