If you or someone you know is facing possible foreclosure, you should know what to expect.

By Jean Folger of Investopedia

Many people have either gone through a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership of the property, or know someone who has.

RealtyTrac released its U.S. Foreclosure Market Report on April 15 for the first quarter of 2010. The report calculates foreclosure filings, including default notices, scheduled auctions and bank repossessions, and showed that 932,234 properties were involved in the first quarter. That was a 7% increase from the last quarter of 2009 and a 16% increase from the first quarter of 2009. An astonishing one in every 138 U.S. housing units received a foreclosure filing during the quarter. If you or a loved one are facing foreclosure, make sure you understand the process. While it varies from state to state, there are normally six phases of a foreclosure.








Phase 1: Payment default

A payment default occurs when a borrower has missed at least one mortgage payment. The lender will send a missed-payment notice indicating that it has not yet received that month's payment. Typically, mortgage payments are due on the first day of each month, and many lenders offer a grace period until the 15th. After that, the lender may charge a late-payment fee and send the missed payment notice.

Happy Hour

Downtown Bellevue Happy Hour’s

Restaurant	Address	Early Happy Hour	Late Happy Hour
520 Bar & Grill	10146 Main Street 425-450-0520	Mon – Sat 2:00 -6:00	Thur – Sat 9:00 – 12:00 Sun – Wed 9:00 – 10:00
Atrium Grill (Hilton Hotel Bellevue)	300 112th Avenue SE 425-455-1300	Everyday 4:00 -6:00
Azteca	150 112th Avenue NE 425-453-9087	Everyday 3:00 – 6:30 (Sunday All Day)
Barrio	10650 NE 4th St 206-502-5021	Everyday 3:00 -6:00
Bis On Main	10213 Main St 425-455-2033		Mon – Sat 9:00 – Close
Blue C Sushi	505 Bellevue Way NE 425-454-8288	Everyday 4:00 – 7:00 (Thurs 4:00 – Close)	10:00 – 12:00 (Fri – Sat)
Chantanee Thai Restaurant & Naga Bar	601 108th Ave 425-455-3226	Everyday 3:00 – 6:00
The Cheesecake Factory	401 Bellevue Square	Mon – Fri 4:00 – 6:00
Cypress Lounge (Westin)	600 Bellevue Way NE 425-638-1095		Everyday 5:00 – 7:00
Daniel’s Broiler	Bellevue Place, 21st Floor 10500 NE 8th St 425-462-4662	Everyday 4:00 6:30	Everyday 9:00-12:00
Earls Restaurant	Lincoln Square 700 Bellevue Way 425-452-3275	Everyday 3:00 – 6:00	Sun – Tues 10pm – Close
El Gaucho Steakhouse	110th ave NE & NE 6th Street 425-455-2715	Mon – Fri 1:00 – 6:00	Sun 5:00 – Close Mon – Sat 10:00 – Close
Grand Cru Mixologie Lounge	1020 108th Ave NE 425-455-4363	Tue – Sat 4:00 – 7:00 Sun & Mon All Day	Tue – Sat 9:00 – Close Sun & Mon All Day
Joey Bellevue	800 Bellevue Way NE # 118	Various specials throughout the week
John Howie Steak	11111 NE 8th St	Mon – Fri 3:00 – 6:00	Mon – Thur 9:00 – 11:00 (Sat 9-Midnight, Sun 3-10)
Las Margaritas	437 108th Avenue NE 425-453-0535	Mon – Fri 3:00 – 6:00
LOT No. 3	460 106th Ave NE 425-440-0025	Everday 4:00 – 6:00
Lucky Strike	700 Bellevue Way NE 425-543-5137	Everyday 4:00 – 7:00	Sun – Thurs 9:00 – 12:00
Maggiano’s Little Italy – Lincoln Sq	10455 NE 8th Street 425-519-6476	Mon – Fri 4:00 – 6:00
McCormick & Schmick – Lincoln Sq	700 Bellevue Way NE 425-454-2606	Everyday 4:00 – 6:00	9:30 – 11:30 (Sunday 9-10)
Monsoon East	10245 Main St 425-635-1112	Everyday 3:00 – 6:30 Sun-Thur	Fri & Sat 9:00 – 11:00
P.F. Changs	525 Bellevue Square 425-637-3582	Everyday 3:00 – 6:00
Palomino	Lincoln Square 610 Bellevue Way NE 425-455-7600	Everyday All Day	Everyday All Day
Pearl Bar & Dining	Lincoln Square 700 Bellevue Way NE Suite 50 425-455-0181	Everyday 3:00-6:00	Everyday 9:00 – Close
Purple Café	Bellevue Towers 430 106th Avenue NE 425-502-6292	Everyday 3:00-5:30
Rock Bottom Brewery	Bellevue Galleria 550 106th Avenue NE 425-462-9300	Sun – Thurs 3:00-6:00	Sat-Thurs 10:00 – Close (11pm on Fri & Sat)
Ruth’s Chris Steak House	Bellevue Square 565 Bellevue Way NE 425-451-1550	Everyday 4:00-7:00	Everyday 9:00 – 11:00 (Sun 9-10)
Bellevue Grill – Sheraton Hotel	100 112th Avenue NE 425-455-3330	Everday 4:00 – 6:00
Seastar Restaurant	205 108th Avenue NE 425-456-0010	Mon – Fri 3:30 – 6:00
Tangerine Thai	333 108th Ave NE 425-637-8822	Mon – Sat 3:30 – 5:30
Tap House Grill	Bellevue Galleria 550 106th Avenue NE 425-467-1730	Everday 3:30 – 6:30 (Sun 3:30 – Close)	Everyday 10:00 – Close
The Melting Pot	302 108th Avenue NE 425-646-2744	Everyday 4:30 – 6:30	Everyday 9:00 – 11:00
The Parlor Billards & Spirits	Lincoln Square 700 Bellevue Way NE 425-289-7000	Everyday 3:00-6:00 (All Day Sunday)	Tue – Thurs: 10:00 – 12:00
The Spot Off Main Neighborhood Bar & Billiards	20 103rd Avenue NE 425-646-6434	Everyday 4:00 – 8:00
Twisted Cork	900 Bellevue Way NE 425-462-1234	Everyday 4:00 – 6:00	Mon – Thur 10:00 – Close Sat & Sun 11:00 – Close
Wild Ginger	The Bravern 11020 NE 6th St #90 425-495-8889	Everyday 3:00 – 6:00	Everyday Mon – Thurs 9:00 – 10:00 Fri & Sat 10:00 – midnight
Z’Tejas Grill	535 Bellevue Way NE 425-467-5911	Weekdays 3:00 – 6:00 (Sat 3-5pm)

Hotels

Hotel Name	Address	Phone #	Star Ratings
Bellevue Club Hotel	11200 SE 6th St	425-454-4424	5
Bellevue LA Residence Suite	475 100th Ave NE	425-455-1475	2 1/2
Coast Hotel	625 116th Ave NE	425-455-9444	3
Extended Stay America	11400 Main St	425-453-8186	3
Hilton	300 112th Ave SE	425-455-1300	4
Hyatt Regency	900 Bellevue Way NE	425-462-1234	5
Marriott Courtyard	11010 NE 8th Street	425-454-5888	4
Paragon Hotel	818 112th AVE NE	425-455-1515	2 1/2
Red Lion Hotel	11211 Main St	425-462-4416	3
Residence Inn – Marriott	605 114th Ave S	425-637-8500	4
Sheraton	100 112th Ave NE	425-455-3330	4
Silver Cloud Inns	10621 NE 12th St	425-637-7000	3
Westin	600 Bellevue Way NE	425-638-1000	5

Fitness Centers

Name	Address	Phone #	Rate
24 Hour Fitness	188 106th Ave NE #500	425-641-1111	$30 Monthly
Bellevue Club	11200 SE 6th St	425-454-4424	Call for info
David Barton Gym	The Bravern	425-453-7887	Call for info
Elite Fitness Trainning	136 102nd Ave NE Suite 101	425-451-3444	Call for info
First Street Fitness	10001 NE 1st St	425-450-8870	Call for info
LA Fitness	550 106th Ave NE #201	425-688-8700	$30 Monthly
Onvo	10838 Main St	425-646-1101	Call for info
Renew Fitness	1200 112th Ave NE Suite C-186	425-455-7230	Call for info

Lincoln Square Cinemas

Lincoln Square Cinemas Contact Information

Address 700 Bellevue Way NE Bellevue, Washington 98004 Phone: (425) 450-9100 Recorded Showtime Info: (425) 454-7400 Website: http://www.lincolnsquarecinemas.com/

Pricing General Admission: $10 – 3D: $13 – IMAX: $14.50 Child (12 and under): $8 – 3D: $11 – IMAX: $12.50 Senior (62 and older): $6.50 – 3D: $9.50 – IMAX: $11 Student (with valid ID) $9 – 3D: $12 – IMAX: $13.50 Matinee: $8 – 3D: $9.50 – IMAX: $12.50 Purchase Tickets Online Here

2010 IMAX Movies Alice In Wonderland How to Train Your Dragon Shrek Goes Fourth Toy Story 3 The Twilight Saga Inception Tron Legacy Spider Man 4 (2011)

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