Financial Hardship Trouble By State – Emergency Services – Shelters – Food Banks – Voucher Housing- Covid -19


Financial hardship is the major cause of homelessness. But it does not happen in isolation. Much of homelessness is the result of some unforeseen legal, financial and/or physical occurance such as a unexpected death, sudden loss of employment, divorce, drug and alcohol addiction, a long and drawn out bankruptcy, home foreclosure or becoming physically or emotionally disabled.

GotTrouble provides access to statewide emergency homeless day and transitional shelters, food banks and pantries, low income assisted housing, food stamp information, low income legal and financial assistance and counseling services. To locate these and other low income resources and services select your state from the list below:

Homeless Shelters - Day and Transitional Shelters

Day shelters provide the homeless with temporary short-term shelter. The typical day shelter provides meals, showers and laundry. Some day shelters now provide internet access. Admission is based on a first-come basis.The Day Shelter intake process usually includes a short interview and needs assessment. Check with your local shelter to obtain the details concerning their admission requirements, intake procedures and hours of operation. To locate a homeless shelter near you, select your state from the list above....

Facing Eviction - No Income - Rent Control Housing

Millions of Americans face eviction with no where to go every year. In fact, for those fortunate to be employed, the average working renter now spends nearly 43% of their income on rent. This article looks at the landlord-tenant eviction process, legal aid options, and the homeless resources that are available to people that have no place to go after the eviction process is over...

Low Income Assisted Housing  Voucher Program (Section 8)

Low income housing, formerly known as Section 8 public housing, provides long-term solutions to expand affordable housing for low income families. Public housing is limited to low-income families and individuals. Public housing comes in a variety of forms, from single family homes to multi-level apartment buildings. As of 2015, there are over 1.1 million famalies living in public housing units, managed and paid for by both federal, state and local government grants and public and private social assistance programs. Residents are usually required to pay some portion of their income towards rent. To locate low income assisted housing in your state, select your state from the list above for more information....

Food Banks and Pantries

Nearly 22% (48.1 million) of our children under the age of 18 live in poverty. Over 10% of our Seniors (4.9 million) 65 live in poverty. One in five Americans struggle with hunger. As a result, local Food Banks and Pantries are quickly becoming the “new normal” for many low-income Americans. Thanks to the support and assistance of local neighborhood meal programs, food banks and pantries, these neighborhood organizations are providing low income and homeless people with fresh foods and nutritional meals. To locate a food bank and pantry near you, select your state from the list above for more information....

Legal Aid Clinics 

If you are unable to afford a private lawyer, you still may be able to qualify for legal aid. Legal aid clinics receive most of its funds from state and local government and public interest groups. Legal aid clinics provide free or low cost legal representation to low-income and no-income people. Legal aid clinics handle mostly contested legal matters such as debtors rights, eviction, foreclosure and small claims matters of all kinds. In addition, consider he Public Defenders Office which is a state funded organization. Public Defenders defend people accused of crimes who are financially unable to afford retaining private counsel. To qualify for a public defender however you must be indigent and be charged with a crime punishable by jail or state prison. After determining your financial status, the court will decide whether to appoint you a public defender.

Cash Assistance For Low Income Families (TANF)

In response to the rising level of poverty and homelesness, the federal Temporary Assistance for Needy Families program (TANF) provides monthly cash benefits to low and no-income families in financial distress. The federal government, in conjunction with their local state partners administer the program and distribute badly needed cash to those families that meet the programs financial eligibility criteria.

Child Care – Financial Assistance For Low Income Families

Learn about state childcare assistance programs that are funded through the National Child Care and Development Fund, which is a national program that assists low-income families.

Home Foreclosure – Avoiding Homelessness

One of the best ways of avoiding homelessness is to hold on to your home for as long as legally possible while you are seeking new employment. One way you might be able to stop the impending home foreclosure process is to demand the lender legally prove ownership of the property before a court of law.

Medical Bankruptcy – Injured And Out of Money

For most people the cost of medical insurance is paid for by the employer. Should you lose your job, you also run the risk of losing your medical insurance. Should you later be injured and unable to work, you can find yourself in financial hardship, bankrupt and at risk of being rendered homeless.

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