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.
Harkers Island is a census-designated place (CDP) in Carteret County, North Carolina, United States. The population of Harkers Island was 1,623 at the 2007 census. Harkers Island is unincorporated and receives most public services, including law enforcement and public education, from Carteret County. A membership cooperative provides the island with electric and water services. Major industries on the island include fishing, boat building, tourism, and waterfowl decoy carving. Formerly named Davers Ile and Craney Island, Harkers Island was occupied by Native Americans of the Coree tribe when the first European explorers arrived in the 16th century. Ownership of Harkers Island was first titled to Farnifold Green, a native of the Carolina colony, by the Lords Proprietors in 1707. Ebenezer Harker purchased the island in 1730, settled there with his family, and built a plantation and boat yard. The island became known as Harkers Island soon after his death. A large immigration of islanders fleeing the hurricane-ravaged Outer Banks in 1899 dramatically increased the island population, which largely depended on fishing and boat building. Separated from the mainland for centuries, many Harkers Island residents speak a distinct dialect of English.