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* Obama’s bankruptcy reform taking shape (Houston Chronicle)
* Median home price takes big drop in California (Jacob Adelman-)
* Lawmakers fight Newark on water rates (News Journal)
* Guides awaited to fight home loss (Alexander Coolidge, Cincinnati Enquirer)
* Consumers’ thrift brings new worries (Aldo Svaldi)
* Industrial production falls 1.8 percent (KABC)
* Ex-Fed governor feels ‘accountable’ in economic crisis (Greenville News)
* Another lousy week on the Street (WABC)
* Mortgages for new homes drop to lowest level since 1974 CML reveals (Myra Butterworth, Telegraph)
* U.S. describes alleged Sacramento-area mortgage fraud (Denny Walsh, Sacramento Bee)
Housing Disaster 