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.
Merlin is an unincorporated community in Josephine County, Oregon, United States. The area is known for sport fishing and whitewater rafting on the Rogue River. Merlin's ZIP code is 97532. A new railroad station in this location in 1883 was called "Jump Off Joe" for a local stream. The station was renamed Merlin in October 1886. The name came from a railroad civil engineer who named it for the Merlins he saw in the area. "McAllister" post office was established about a mile north of Merlin in 1885, then moved to the vicinity of the railroad station and renamed Merlin in 1891.