When Living in Limbo Avoids Living on the Street

Judith Fox has changed the advice she gives defaulting clients. “Three or four years ago, I would always tell clients, ‘You have three or four months to get yourself together,’ ” she said. “Now I tell folks, even if they’ve been foreclosed, ‘Just stay put, because it could be years before anything happens.’ ”

From a New York Times article about home foreclosures.