He's written a paper titled "Underwater and Not Walking Away: Shame, Fear, and the Social Management of the Housing Crisis." White's idea and paper have been in the press earlier this year, but it got attention again in the past week with the most current mortgage delinquency numbers: 14.4% of all residential mortgages are delinquent were or in the foreclosure process during Q309, according to the Mortgage Bankers Association.