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.
Langley is a city in Island County, Washington, United States near the eastern end of the north shore of the south end of Whidbey Island. It is the third largest incorporated area on Whidbey. The population was 959 at the 2000 census, while the ZCTA for Langley's post office had a population of 4,878. The geographical area of the city is only 0.8 square miles (2.1 km²) but the ZCTA includes 26.20 square miles (67.86 km²). Today, Langley is a tourist destination. Many businesses in the city promote themselves in tourist pamphlets available around the world. Langley is home to a 1930s era movie theatre, a grocery store of the same vintage, and several restaurants. Langley is served by Island County Fire District #3 the Langley Police Department, and is the home of the South Whidbey School District #206. The current mayor is Paul Samuelson (2008–2012), and the police chief is Bob Herzberg. Based on per capita income, Langley ranks 92nd of 522 areas in the state of Washington to be ranked.