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Experts claim when home sales and prices rise, it's easier to avoid losing them because short and conventional sales are working better for people in trouble of losing their homes.

However, if Congress does not extend the Mortgage Forgiveness Debt Relief Act, the amount of foreclosures may increase.

The act gives homeowners a tax break from paying thousands of dollars to the IRS. If the tax break expires, more than 600,000 homeowners may be affected.

For more information, you can go to www.irs.gov.

Nate Chisholm contributed to this report.