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Americans have been struggling to pay for housing costs. In July 2020, an estimated 32 percent of Americans missed a rent or mortgage payment. That was up from 24 percent in April, 31 percent in May and 30 percent in June. This trend is worrying experts that a wave of evictions may be coming once local, state and federal moratoria on forced removals expire. The eviction process itself is a barrier to maintaining personal and public health. Struggling to pay for housing in America is nothing new. In 2018, the Census Bureau estimated that 40.6 percent of renters will rent burdened, meaning they spent 35 percent or more of their monthly income on rent and utilities. A study by Harvard University's Joint Center for Housing Studies found that about a quarter of households spent more than half their income on housing. They're frequently having to choose between income, food or paying for housing and the rent always eats first. The Urban Institute found that about a quarter of black and Latin X renters surveyed didn't pay or defer the rent in May 2020, compared to 14 percent of white renters. Rents are like out of control. I mean, people can't even afford to live in these cities anymore. And these are people who have good jobs. I'm in a rent controlled apartment and the rent is low but I didn't pay my rent because I had to cover everything else and I have been losing sleep, thinking and thinking. What is going to happen when everything is open again and all the assistance is gone? So what's going to happen? Am I going to be making the same money as I was making before. With the growing uncertainty over financial stability and the idea that mass evictions may be looming, how do evictions actually work? And could the U.S. cancel rent? From 2000 to 2016, there were almost one million evictions per year in the United States, meaning that about 1 in 40 renter households were evicted per year. In 2016, we saw 3.7 million eviction filings, which is constant, 7 eviction filings per minute. These are experiences that we're hearing about across the country right now. It is not just a red or a blue state issue. It's not just an urban issue. Along with systemic racism, rising rents and home prices, stagnant wages, gentrification and a decline in public and subsidized housing are contributing to this very complex problem. The Great Migration states so in the South, Midwest and Rust Belt, these are often the hot spots of evictions, and that's very much tied to the legacy of slavery and racial discrimination in housing. According to census data from the 1950s to 2000, gross rents, which includes utilities, rose from 384 dollars to 901 dollars. By 2010, that number grew to 1,010 dollars. And by 2018, that was 1,086 dollars. At the same time, wages have been stagnating. Data from the Bureau of Labor Statistics, analyzed by the...