A multibillion-dollar alphabet soup of federal, state and county legislative initiatives, backed by community-based and local lenders' programs, is keeping as many as two-thirds of home-owners living in properties months or even a year beyond default dates. That's reassuring, except that it's a drop in the overflowing bucket of foreclosure filings -- a record 3.9 million of them across the US in 2009, according to some estimates. Fewer foreclosure filings are a real possibility in 2010 if all the economic stars are aligned properly and real estate markets revert to more normal activity. Rick Sharga, VP of marketing for RealtyTrac Inc, Irvine, CA, says foreclosures will continue to be driven by continuing unemployment and adjustable-rate mortgages being reset at higher interest rates starting in July 2010. Bruce Norris, who heads The Norris Group, Riverside, a local real estate investment firm, claims federal government programs are artificial supports for the market.