Karen and Ronald Dinson were well on their way to the American Dream. Ronald was doing well working in the film industry, Karen was a stay at home foster mom of needy children and they had their own comfortable home. Life was good. When the economy began its downward slide, Richard’s work hours were cut dramatically. At the same time, their mortgage payment adjusted upward to a much higher rate and an unaffordable payment, a real struggle for this family and their foster children. They fell behind on their mortgage payments and now faced foreclosure.