Chan, Sewin
, Haughwout, Andrew F.
, Hayashi, Andrew T.
and Klaauw, Wilbert van der. "Determinants of Mortgage Default and Consumer Credit Use: The Effects of Foreclosure Laws and Foreclosure Delays, Number 732,"
Staff Reports (Federal Reserve Bank of New York)
(June 2015).
https://fraser.stlouisfed.org/title/9235/item/718728, accessed on February 10, 2026.