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.
Jay Em is an unincorporated community in northern Goshen County, Wyoming, United States, just below the headwaters of the Rawhide Creek. It lies along U.S. Route 85 north of the city of Torrington, the county seat of Goshen County. Its elevation is 4,590 feet (1,399 m), and it is located at 42°27′41″N 104°22′11″W / 42.46139°N 104.36972°W / 42.46139; -104.36972 (42.4613550, -104.3696724). Although Jay Em is unincorporated, it has a post office, with the ZIP code of 82219. The center of the community is included in the Jay Em Historic District. Public education in the community of Jay Em is provided by Goshen County School District #1.