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 …

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 …