This Special edition of "Dynamic Biblical Counseling" is dedicated to the American homeowner. The American dream of homeownership that is available to everyone has been sold to the American public; however, not everyone is financially or educationally prepared for home ownership. It seems that the American homeowner has not the education regarding how to prevent foreclosure. Perhaps it is not completely the homeowners fault, because often times unscrupulous and predatory realtors, investors, mortgage companies and even loss mitigation companies have sometimes compounded the problem. This fact, coupled with a lack of education regarding financial budgeting has turned the "American Dream" into an "American Nightmare." Preventing this nightmare is the purpose of this book and mission of Gold Cross of America.