US property foreclosures rose 7% in July from the previous month and are up 32% from year-ago levels, RealtyTrac said on Thursday.

July is the third month in the last five months where foreclosures have hit a record.

“Despite continued efforts by the federal government and state governments to patch together a safety net for distressed homeowners, we’re seeing significant growth in both the initial notices of default and in the bank repossessions,” James Saccacio, chief executive of RealtyTrac, said in a press release.

Nevada, California and Arizona posted the top state foreclosure rates. Also, these three states and Florida accounted for more than half of all of the nation’s foreclosures.

Foreclosure activity in Michigan dropped 39% in July from the previous month, mostly due to a 66% decrease in scheduled auctions. A state law that took effect July 6 requires lenders — before scheduling a foreclosure auction — to provide delinquent borrowers a uniform default notice with contact information for approved housing counselors who can assist in loan modifications. The law freezes foreclosure proceedings an extra 90 days for homeowners who commit to work on a loan modification plan.