COLLIER COUNTY, Fla. - Some indicators suggest Wall Street is hitting Main Street hard as financial concerns move beyond the mortgage and foreclosure crisis.

Like many others, Cesar Gonzalez is feeling the crunch of the economy."I need to pay the mortgage. I need to pay a lot of bills, but the money's not coming out," he said.

He lost his job three weeks ago and unemployment covers less than half his monthly income. "Everything is gone because I no have money to pay. One difficulty is for the electric bill," says Gonzalez.

Gonzalez cut home conveniences like pool and lawn care. He even dropped insurance on two cars he chooses not to drive. But some services can't be cut. "We need to pay our electric the same as the mortgage because we can't live without electrical," he said.

A spokeswoman for Florida Power and Light says they've seen a spike in delinquent payments recently. It's the same story elsewhere.

Collier County Public Utilities has seen the number of late bills double this year. In Lee county that number is even higher with an increase of 115 percent compared to last year.

To make ends meet, Gonzalez has to rely on his 17-year-old son. "He needs to go to work to some part time, to help me to pay the bill," says Gonzalez.

And once his son graduates high school, he'll join the military to continue helping his family through these tough times.

"I need to prepare what happens in three or four months more because we can't support a lot of bills without the money," Gonzalez said.

If you find yourself in the same situation, you can call you utility company and often they will work out a payment plan or grant you an extension on you due date.

Community agencies, like the Salvation Army Corps and St. Matthews House also have utility assistance programs.