Last reviewed: 2026-06-08
About Shirley
Shirley Chia is a consumer housing and finance writer, and the editor of ForeclosureCalc. She focuses on the things homeowners in financial distress actually need to understand: how the foreclosure process works, what time federal and state law give them, and where to find free, legitimate help. Every guide and state page is reviewed for accuracy and plain language before it goes live.
Scope and limits
Shirley is not an attorney, housing counselor, or licensed financial professional, and she holds no credentials that authorize legal or financial advice for individual cases. Her role is research and editorial: making sure every page on ForeclosureCalc cites its sources, that the rules are stated accurately, and that nothing overstates certainty on a high-stakes legal question. Nothing on this site is legal or financial advice — for advice on your situation, talk to a HUD-approved housing counselor or a licensed attorney in your state.
Editorial standards
Under Shirley's editorship, ForeclosureCalc commits to the following:
- Every per-state legal figure (timelines, cure/reinstatement/redemption windows, deficiency rules) is tied to the underlying statute or a recognized legal source, with a last-reviewed date.
- Federal rights are described against the controlling rule (for example, Regulation X, 12 CFR 1024.41), not from memory.
- No "foreclosure rescue" promotion, no upfront-fee referrals, and no pay-to-place editorial coverage.
- Affiliate disclosure on any page that contains an affiliate link.
- No false precision: where a rule is condition-dependent, we say so and tell readers to confirm with a professional.
- Every page steers readers toward free HUD-approved counseling rather than paid intermediaries.
What Shirley doesn't do
Shirley does not run consultations, review your loan documents, advise on your specific case, or provide legal, financial, or tax advice. For that, contact a HUD-approved housing counselor (free), a Legal Services Corporation-funded legal aid office, or a licensed attorney in your state.
Contact
Editorial questions: info@foreclosurecalc.com.