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.
Pine Valley, Utah (37.39.108N 113.51.299W, elev. 6500 ft), is an unincorporated town in Washington County, Utah, United States that lies approximately 45 minutes north of the county seat, St. George. It is located at the head of the Santa Clara River in the Pine Valley Mountains, and was settled in 1859. Significant landmarks include the Pine Valley Chapel of The Church of Jesus Christ of Latter-day Saints designed by shipbuilder Ebenezer Bryce in 1868 using the scheme of an upside-down boat. Pine Valley Chapel is the oldest Mormon chapel in continuous use.