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.
Valentine is a town in Jeff Davis County, Texas, United States. The population was 187 at the 2000 census. Valentine's name refers to the date of its founding in 1882 by a Southern Pacific Railroad construction crew: February 14. It is one of several cities named Valentine in the United States where one may send envelopes in order to obtain special holiday postmarks for Valentine's Day from the United States Postal Service, for which the town and its post office have received national media attention.