Frank Wallace, who is unemployed, displays a sign during a vigil in Philadelphia. The Philadelphia Unemployment Project and other organizations gathered to draw attention to federal unemployment benefits that are scheduled to expire. Matt Rourke/AP hide caption

itoggle caption Matt Rourke/AP

Companies report that many employees are reluctant to relocate because of the depressed housing market. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

A house under foreclosure that is now bank-owned in Las Vegas. Many homeowners facing foreclosure remain skeptical about offers of assistance. Mark Ralston/AFP hide caption

itoggle caption Mark Ralston/AFP

Grace Chen and her husband, Antonis Orphanou, stand outside their home in Mountain View, Calif. Courtesy Grace Chen hide caption

itoggle caption Courtesy Grace Chen

Realtor Teresa Sciubba (left) talks to real estate investor Kristin Gragg outside a foreclosed property in Chandler, Ariz. Matt York/AP hide caption

itoggle caption Matt York/AP

Homeowners speak with bank consultants in Los Angeles in September at an event put on by theĀ  Neighborhood Assistance Corporation of America. The organization's CEO, Bruce Marks, says foreclosure suspensions at three major banks and several states may actually help stabilize the economy. Mark Ralston/AFP/Getty Images hide caption

itoggle caption Mark Ralston/AFP/Getty Images