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.
Umpqua is an unincorporated community in Douglas County, Oregon, United States. The population was 112 at the 2000 census. The word "Umpqua" was first used by the local Native Americans to refer to the locality around the Umpqua River and came to be applied to the river as well.