Doing research for loss mitigation training, I found many site that offer to help the Florida home owner
NeighborWorks America creates opportunities for people to live in affordable homes, improve their lives and strengthen their communities.
http://www.nw.org/network/foreclosure/default.asp Foreclosure Resources
http://www.995hope.org/
Through our 888-995-HOPETM hotline, the Homeownership Preservation Foundation has a single mission: to help homeowners avoid foreclosure. We are an independent nonprofit that provides HUD-approved counselors dedicated to helping homeowners.
The help we offer is free.
Our counselors are experts in foreclosure prevention and trained to set up a plan of action designed just for you and your situation. When you talk to us, you won't be judged and you won't pay a dime. That's because we don't just offer general advice - we help you take action. Counselors will arm you with education and support that assists you in overcoming immediate financial issues...at no cost to you.
http://www.995hope.org/who-we-are/partners/
Counseling Partners
Our credit counseling partners are neutral third party resources providing education and counseling that helps homeowners overcome financial difficulties and stay in their homes.
Ten leading nonprofit credit-counseling agencies provide the credit counseling service. These include:
Foreclosure hurts all Floridians by depressing home values and causing families to lose homes, jobs and hope. As this task force comes together to explore solutions, we will search for ways to restore hope to Florida's families - and to our state's economy.
http://www.floridahousing.org/Home/HousingResources/ForeclosurePrevention/
As home foreclosures continue to rise across the state, Florida Housing will provide the following foreclosure prevention resources and links. New/updated resources and links will be added to this page as they become available, so please check back frequently for the latest information.
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This looks like a good set of links to places for ideas at least. People need to do the work though. Patiently and persistently.