If the person is unemployed and wants to get another profession - there is a process with Florida Workforce where courses are funded : http://www.workforceflorida.com/ResourcesLinks/JobSeekers.php
For those who can't afford their homes - there are different options like loan modification (with possible reduction of the principal - depending on the lender involved), short sales (when you sell under market value with 3rd party (short sale lender) permission, or you can do a Deed in Lieu of foreclosure (giving the keys to the bank if you only have a 1st mortgage)...or file for a bankruptcy - if qualified. You got to check all tax consequences before you make any decisions.
You got to pick a very good real estate attorney (not a bankruptcy attorney - those most likely will only recommend bankruptcy), a good CPA and a good realtor (if you want a short sale).
You can consult an attorney to get more details.
Most first consults are free.
You can even visit a couple of different attorneys - to get a 2nd opinion, so to speak.
If you qualify, there is also legal services provided by non-profits (funded by the government)-they are free http://www.lsgmi.org/
Effective or ineffective government help - that's not so important right now.
Just use what's available for now.
You can also call on your senate reps or the President. They should hear your opinion on the matter because there are many people who can't afford their homes still. I'm not saying we should spend more money - just that maybe the funds are not used as effectively as they should be.
Hope this helps,
Beachfront Realty, Inc.