Fears of recession along with nationwide housing foreclosures have pushed some homeowners to take drastic and illegal measures. Looking to cash in on thier insurance policy rather than face foreclosure some folks have committed arson to avoid losing their home.  "Desperate times cause good people to take desperate measures," said Joe Toscano of The International Association of Arson Investigators. Toscano said the desperation from the subprime lending debacle and difficult financial times may lead to more suspicious fires. The situation right now is like the perfect storm with financially challenged homeowners facing bankruptcy, another option is to think about selling the home back to the insurance company and that's arson for profit. Hopefully you are not in this situation however, before you consider lighting the match do the necessary due diligence to explore your options or you could end up being a primary suspect in a arson investigation.