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 the  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

Some landlords have eased their credit standards to allow people with credit blemishes from foreclosures to rent apartments -- a practice that was largely taboo in the past. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

A "bank owned" sign is posted in front  of a foreclosed home in Miami. Borrowers trying to rebuild their lives after foreclosure say there's a stigma attached to having a low credit score. Joe Raedle/Getty Images hide caption

itoggle caption Joe Raedle/Getty Images

Job seekers speak with recruiters during a career fair sponsored at Malcolm X College in Chicago this summer. Scott Olson/Getty Images hide caption

itoggle caption Scott Olson/Getty Images

Kelly Christensen and her ex-fiance, Joel Nerenberg, sit outside their home in Burnsville, Minn. Despite their broken engagement, the two are living together because they can't afford to sell their house for what it's worth now. Courtesy of Kelly Christensen and Joel Nerenberg hide caption

itoggle caption Courtesy of Kelly Christensen and Joel Nerenberg

When oil washed ashore in Pensacola, Fla., it left an ugly stain that brought out hundreds of BP workers to clean the beach. It is uncertain how much money BP will have to pay in compensation, cleanup and penalties for the oil spill. Dave Martin/AP hide caption

itoggle caption Dave Martin/AP

Shrimp boats sit in the Pass Christian Harbor in Pass Christian, Miss. Many fishermen, seafood buyers and others in the Gulf operate with cash, which may cause problems when they cannot present the documents needed to receive government compensation. Dave Martin/AP hide caption

itoggle caption Dave Martin/AP

Cleanup workers maneuver an oil boom in Bataria Bay on the coast of Louisiana. With the down economy, their are plenty of people hoping for cleanup jobs, but there are few to be found. Patrick Semansky/AP hide caption

itoggle caption Patrick Semansky/AP