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.
Proctor (also Austinville or Proctors) is an unincorporated community in northwestern Wetzel County, West Virginia, United States. It lies on West Virginia Route 2 along the Ohio River, north of the city of New Martinsville, the county seat of Wetzel County. Its elevation is 630 feet (192 m). Because the community has borne multiple names, the Board on Geographic Names officially designated it "Proctor" in 1890. Although it is unincorporated, it has a post office, with the ZIP code of 26055.