As home building continues to drag along the bottom, foreclosures have become an increasingly complex threat to recovery. Last year, a record 2.9 million U.S. properties received a foreclosure filing, according to RealtyTrac data. And estimates for the number of foreclosures still in the pipeline run as high as four million.

We want to know your thoughts on the crisis. Send us your comments on where the foreclosure fiasco is headed and how it should be handled, either by leaving a comment below or sending an email to Each week we’ll publish some of the ideas readers submit on topics touching the industry, and pose a new question for feedback.