Abstract
Debt is highly prevalent within the homeless population. This narrative review makes use of a varied literature to explore the relationship between debt and homelessness, focussing particularly on organisational (systemic) and individual factors and formulating the relationship between the two. A number of forms of debt and the causes of that debt are explored, in terms of individual factors such as motivation and organisational factors such as inflexible rent protocols. These factors are considered within the context of the cash economy operated by people who are homeless, together with the survival behaviours that drive such a way of operating. Conclusions are drawn about the nature of interventions and how individual psychological approaches to motivation need to be taken into account.
Highlights
Homelessness remains one of the significant indicators of damaging wealth differential in developed economies
It will consider possible mechanisms whereby debt is implicated in the maintenance of homelessness and go on to develop ideas based on good practise, around interventions that may reduce the impact of this relationship
The pattern of antisocial behaviours associated with alcohol and drugs are different; drug use is mainly associated with acquisitive criminal behaviours and debt accrued, whereas alcohol tends to result in behaviours of disinhibition, such as verbal and physical assault
Summary
Homelessness remains one of the significant indicators of damaging wealth differential in developed economies. Interacting roles of debt and how they interlink with other factors will be described It will consider possible mechanisms whereby debt is implicated in the maintenance of homelessness and go on to develop ideas based on good practise, around interventions that may reduce the impact of this relationship. In the main, have significant and complex issues, involving functional interactions between mental health, drug and alcohol and social relationship issues [3]. Good evidence suggests that these issues are strongly associated with early childhood abuse and neglect [18] This means that the behaviours that lead to tenancy breakdown can be considered to be associated with ways of coping with these adverse childhood experiences. A set of interacting factors can be seen to lead people who are homeless into behaving in ways that, as will be seen, mean they are more likely to accrue debt
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