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.
Hermitage, Tennessee is a section of Metropolitan Nashville, Tennessee located in eastern Davidson County, adjacent to, and named in honor of, The Hermitage, home of Andrew Jackson, seventh President of the United States. Though the area is incorporated as part of the Nashville/Davidson County metropolitan government, it maintains its own identity as a residential and commercial suburban area. Hermitage is located immediately to the east of Donelson, a Nashville borough which is named in honor of Jackson's father-in-law John Donelson, and just to the west of Mount Juliet in adjacent Wilson County. A rural area only thirty years ago, Hermitage is now a thriving suburb with a highly-developed network of retail stores and typical suburban tract houses ranging from the "starter home" to the "executive residence". The technology headquarters of Deloitte Touche Tohmatsu, one of the Big Four auditors, is located in Hermitage, sprawling over 200,000 square feet (19,000 m) and employing over 1,000 people. Hermitage is a small example of urban sprawl. An array of apartments exists as well. Major thoroughfares include U.S. Highway 70, Interstate 40, and State Route 45. The city also has a station on the new Music City Star commuter rail service and is also home to the Tennessee Secondary School Athletic Association, the organization which administers junior and senior high school sporting events. Hermitage is divided from Donelson by the Stones River and its bottom lands, Clover Bottom. It has benefited greatly from the impoundment of the Stones by J. Percy Priest Dam, a nearby United States Army Corps of Engineers project, which provides a great deal of recreation opportunities, particularly in the summer months, and which has contributed greatly to the desirability and value of the area's real estate. Hermitage and Donelson are often thought of as something of a unit, and even have a joint Chamber of Commerce and Christmas parade. Hermitage is generally thought to be at least roughly coextensive with its United States Postal Service ZIP Code of 37076.