You may feel like you’re alone in your suffering, but according to a report released by CoreLogic, one of the most reputable providers of data and analytics in the United States, there were more than 4.1 million completed foreclosures between September 2008 and the end of 2012. This number does not include homeowners who narrowly avoided foreclosure by either selling their homes or working out a loan modification with their lenders.

The news is not all bad, however. In 2012, the rate of foreclosures in the United States fell for the second consecutive year. There is debate among economists, however, as to whether this represents the avoidance of a second massive wave of foreclosures or rather a period of calm between storms.

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