The numbers for January foreclosures are in, and the news is that they are trending upward. According to Inman News, January foreclosures are up 57 percent over last year, and up 8 percent since December. These rising foreclosures would seem to indicate that well-meaning government programs are not working at stemming the tide. Also contributing may the number of people that now feel that foreclosure is a viable financial planning option. Inman reports on the implications of the January foreclosures numbers:

"January’s foreclosure numbers demonstrate
that foreclosure activity is continuing on its upward trend,
substantially increasing from a year ago in many states," said James J.
Saccacio, RealtyTrac CEO, in a statement.