NEW YORK — U.S. foreclosure activity jumped 81 percent in 2008, with one in every 54 households getting at least one filing notice, suggesting various state laws and private programs to slow the process have been ineffective, RealtyTrac reported on Thursday. Nearly 3.2 million foreclosure filings on 2.3 million properties were made last year, the Irvine, California-based research firm said. Filings include notice of default, auction sale or bank repossession. ‘Clearly the foreclosure prevention programs implemented to date have not had any real success in slowing down this foreclosure tsunami,’ James J. Saccacio, chief executive officer of RealtyTrac, said in the report. Foreclosure activity did slow in the fourth quarter overall, declining 4 percent from the third quarter, but jumped nearly 40 percent from the fourth quarter of 2007. And foreclosure activity last year was up 225 percent from 2006, the year home prices began a deep slump that prevented many homeowners from selling or refinancing. Home prices have plunged more than 20 percent from the summer of 2006, according to Standard & Poor’s/Case-Shiller measures. Filings leaped by 17 percent in December from November. ‘State legislation that slowed down the onset of new […]