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.
Castell is a small unincorporated riverside town in Llano County, Texas, United States. Located in the heart of the Texas Hill Country, its northern border is formed by the Llano River. Castell began in 1847 as a land grant in Comanche territory settled by German Abolitionists and Free-Soilers. The unsettled land had formerly been part of the Fisher-Miller land grant. It was part of a series of five immigrant settlements sponsored by a group of prominent Germans known as the Adelsverein, including Count Emil von Kriewitz, John Meusebach, Prince Carl of Solms-Braunfels, H. Spies, and Count Carl of Castell. The other communities were Schoenburg, Meerholz, Leiningen, and Bettina. The first two were unsuccessful from the start. Leiningen and Bettina had brief lives, Bettina lasting only a year. Only Castell remains. Describing conditions in Castell in the mid-1800s, a tour guide has written “ Life here was not easy. For the first couple of years, Castellites depended heavily on supplies and support from the people of Fredericksburg, who had problems enough of their own. A round trip to Fredericksburg—about 50 miles—took 4 days. ” Castell briefly experienced an influx of about twenty Mormon pioneer families under the leadership of Lyman Wight. They had settled in Zodiac, Texas in 1847, in Mormon Mills, Texas in 1851 (where Wight was eventually buried), and then settled in Castell briefly before moving south in 1854 to Bandera, Texas. Due to the Mormon custom of sending out missionaries, it is possible that the congregations of nineteenth-century North Carolina took their name from the Mormons who lived briefly in Castell, Texas. Castell had a population of 72 people in 1972 and again in 2000. In 2007, a Castell promotional site claims a population of only 23. Castell is in the Central Time Zone and is assigned zip code 76831 and area code 325.