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American Default Research publishes data and general information about household finances. We are not a law firm, a lender, a housing counseling agency or a government agency, and we are not affiliated with HUD, the CFPB or any lender. Nothing here is legal, financial or tax advice, and using this site or contacting us does not make you a client. Laws and programs vary by state and change often. Before you act, talk with a lawyer or a free HUD-approved housing counselor at 1-800-569-4287. We work to keep our numbers accurate and sourced but can't guarantee them. Our data and analysis are free to reuse under CC BY 4.0 with credit.

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