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.
Hamler is a village in Henry County, Ohio, United States. The population was 650 at the 2000 census. Founded in 1875 by John Hamler, Hamler is a rural farming community in Northwest Ohio about 40 miles southwest of Toledo, Ohio. It is located at the intersection of the former Baltimore and Ohio (B&O) and former Detroit, Toledo and Ironton (D,T&I) railroads and the intersection of Ohio State Route 109 and Ohio State Route 18. Hamler is the home town of Kelly Creager, who served as Miss Ohio for 1997 and represented Ohio in the Miss America contest. She previously held the title of Miss Conneaut. Hamler is also the boyhood home of composer and musician Chip Davis of the renowned Mannheim Steamroller musical group. A village consisting primarily of residents of German heritage, Hamler is home of the annual Hamler Summerfest which features German polka bands, polka dancing, German food and free-flowing beer. Hamler students attend school in the Patrick Henry Local School District, which is a consolidation of the former school districts in the villages of Hamler, Deshler, Grelton, Malinta, and McClure.