Do you pay your Mortgage late (out of necessity)? How much of a late fee do they charge? Who is your...?

I'm doing research for a book on economics. I know you can't publish a book based on Yahoo! Answers, but what you tell me will ';guide the direction'; of my research.

I need to know: 1] Do you pay your Mortgage late (out of necessity)? 2] How much are your late fees? 3] Do they threaten to foreclose? 4]How late are you? and 5] Who is your mortgage company?

I am not asking for any personally identifiable information such as your name or account number, just the information above to help guide me, don't be embarrassed, you are not alone, I, and many others, are there with you. Thank you and good luck!