Foreclosure filings in the U.S. fell for the second straight month in February — and last month’s filings represented the smallest year-over-year annual increase in four years.

But wait (and there’s always a wait). New laws by states may be hindering and slowing down foreclosure filings, masking the true extent of the problem by putting artificial caps on filings, experts warn.

Well, okay. We’ll concede that argument. But aren’t there other signs of an improving housing market and economy? Don’t the latest foreclosure figures follow that general trend?

There are all sorts of theories out there. Take your pick.

File under: Eeni Meeni Miny Mo

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