Homelessness is a national crisis in the United States. In the wake of the COVID-19 pandemic, there is no doubt that the nation will face a crisis of evictions and foreclosures, similar to what was seen as a result of the 2008 financial collapse. This, in turn, will lead to an increase in homelessness, which disproportionately impacts communities of color. While moratoria on evictions and foreclosures are good and necessary, they cannot go on indefinitely, and they cannot solve the underlying crisis, which may result in tens of millions of people facing homelessness.
This Article addresses the ongoing epidemic of homelessness in the United States, with a particular focus on the country’s two largest cities: Los Angeles and New York City. Special attention is paid to the ways in which the COVID-19 pandemic will likely impact the homelessness crisis. The Article also demonstrates how filing for bankruptcy protection can be beneficial to tenants and homeowners who are facing eviction or foreclosure.