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.
Ramona is a town in Washington County, Oklahoma, United States. The population was 564 at the 2000 census. The town began as Bon-Ton, but changed its name to Ramona in 1899 in honor of the Helen Hunt Jackson novel of the same name. The town is one of four communities that makes up the consolidated Caney Valley School District. Ramona was an oil town and was also a stop for the Santa Fe railroad. When the oil dried up, there was no other industry to support Ramona, so the town began to die out. Very little business remains in the town, aside from a garage, a bank, a medical clinic, a small grocery, and sundry other small businesses. For 30 years the town was under the jurisdiction of the Washington County Sheriff's Office after the police department disbanded and the former Chief of Police was sentenced to prison. Under the leadership of the former mayor, the late Roman Ward, the police department was reinstated, the water lines were repaired/replaced, and a grant was accepted from the Cherokee Nation to repave the streets. The town also supplies natural gas service to the Wal-Mart distribution center 5 miles north of town.