FILE – In this May 9, 2008 file photo, a foreclosure sign stands outside an existing home on the market in Denver. More than 14 percent of American homeowners with a mortgage were either behind on their payments or in foreclosure at the end of September, a record-high for the ninth straight quarter and a problem that could threaten the economic recovery. (AP Photo/David Zalubowski, file) ORG XMIT: NYBZ147