If you have never been through an eviction or a foreclosure, consider yourself lucky.  These legal proceedings are usually the last phase in a devastating financial situation that puts people (renters or homeowners) in a horrible situation.  A lot of discussion has been made about the COVID19 moratorium but it's equally important to acknowledge the tragic circumstances that leads to people making difficult financial decisions relating to their ability to support their home life.   In addition, we need to also focus on the aftermath after you have been forced to leave your apartment and your home and the long road to being able to rent or purchase again