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.
Shepherdstown is a town in Jefferson County, West Virginia, USA. Shepherdstown claims to be the oldest town in the state. In 1734, Thomas Shepherd was granted 222 acres (0.9 km), on the south side of the Potomac river. From that tract, he selected 50 acres (200,000 m) and laid out a town. He named his town Mecklenburg and petitioned the Virginia Assembly for a charter. It was officially chartered in 1762 by the Virginia General Assembly. Thomas Shepherd was the sole trustee. He owned the town and had the responsibility to conduct its government. In 1798 it was renamed Shepherds Town, which was shortened to Shepherdstown after the Civil War. The town's population was 1208 as of 2002. The town is also home to Shepherd University.