Mel Watt, director of the Federal Housing Finance Agency, says many homeowners who could qualify to refinance their mortgages under HARP are suspicious. Jacquelyn Martin/AP hide caption

itoggle caption Jacquelyn Martin/AP

Retailers are optimistic about back-to-school sales because the job market has been strengthening and gas prices have been falling. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Anthony Matthews collects letters from dissatisfied customers — including himself — at his website, Dear Customer Relations. He's crowd-funding a book based on the site. Courtesy of Anthony Matthews hide caption

itoggle caption Courtesy of Anthony Matthews