The bad news just keeps pouring in on the homeownership front. U.S. foreclosure filings were up 81 percent in 2008 from the previous year with more than 2.3 million homeowners filing in all. Experts are forecasting more bad news ahead as homeowners struggle with layoffs, falling home prices and a decline in the stock market. The forecast for the foreclosure rate is not good for 2010 but it should taper off slightly in 2011, predicts Moody's Economy.com. The four states with the worst foreclosure record were Nevada, Florida, Arizona and California.