hospital and emergency room visits from four states that were among the hardest hit by the foreclosure crisis. We find that …

hospital and emergency room visits from four states that were among the hardest hit by the foreclosure crisis. We find that …

foreclosure crisis. Research on defaults was advanced both theoretically and empirically by the time the crisis began, but …

Reconsidering bankruptcy mortgage modifications as one among several solutions to weather the foreclosure crisis …

would otherwise have lost to foreclosure …

outcomes (e.g., foreclosure sale, prepayment, or default cure). Overall, we find that bankruptcy filings delay foreclosures but … foreclosure law greatly influence debtor outcomes from one state to another. Bankruptcy filing is more effective in states with … nonjudicial foreclosure and limited homeowner protections …

, the average foreclosure rate, and the distribution of home-equity ratios across homeowners prior to the recent boom and … show that the model can account for the observed decline in house prices and much of the increase in the foreclosure rate … if two additional forces are taken into account: (i) the lengthening of the time to complete a foreclosure (during which …