When it rains, it pours on the foreclosure front, or so the latest numbers suggest
. Foreclosure filings surged 62% year-over-year in April, according to RealtyTrac
. The increase stems from stagnant-to-declining home prices, slumping home sales, and tighter lending standards. If there's a silver lining among the clouds, it's that April filings (147,708) were down slightly from the record high of 149,000 in March.