debt resolution process in the Irish mortgage market in the lead up to the COVID-19 shock. We highlight the widespread … engagement of Irish borrowers with debt resolution mechanisms during a decade in which one sixth of mortgage accounts were … restructured by 2016. Lenders favoured short-term mortgage modifications at the beginning of the decade and three-quarters of …

From 2007 to 2009 U.S. house prices plunged and mortgage defaults surged. While ostensibly consistent with widespread … “ruthless default,” analysis of detailed mortgage and house price data indicates that borrowers do not walk away until they are …

, consistent with the double trigger hypothesis of mortgage default. The results also suggest that increased fracking activity …This paper finds that increased hydraulic fracturing, or "fracking", along the Marcellus Formation in Pennsylvania had … a significant, negative effect on mortgage credit risk. Controlling for potential endogeneity bias by utilizing the …