The current mortgage and credit dilemma that we find ourselves in, is affecting all Americans. It is certainly affecting business owners who are having trouble paying their mortgages, and no doubt the employees with mortgages of their own.
The employers of America are also being directly affected by their employees mortgage troubles. When an employee is experiencing financial trouble, they are frequently distracted from their job functions, thereby reducing their effectiveness for their employers.
Employees who are facing mortgage problems, Notice of Default, foreclosure proceedings, Notice of Trustee Sale, are almost always very embarrassed, and therefore very reluctant to discuss the problem with their employers. Their problems directly affect their jobs because they are making phone calls, sending emails, sending faxes, receiving collection calls from the lenders, on and on throughout the work day.
Employees with this added stress are prone to making mistakes with their job duties, drug and alcohol problems get more pronounced, marital problems and family life gets very disrupted. Accidents on the job would likely increase because of these distractions.
This mortgage mess has very far-reaching effects, probably a lot further than most people realize. OK, so here is what I would like to know from our loyal Loansafe members and guests:
If you knew your employer's Human Resources dept. or your Employee Assistance Programs (EAP) or some another confidential way to refer you for mortgage help, would you have approached them to ask for guidance? 
Please help me out here with your participation in this informal survey. As always here at Loansafe.org, your full anonymity is assured.