The role of a credit trap on paths to homelessness in the Czech Republic

Abstract
This briefing paper aims to show the most common paths to homelessness in a post-socialist state: the Czech Republic. Homelessness in the Czech Republic is worthy of examination because the generous provision of social assistance and tenure security in this country has provided a more secure safety net against homelessness than many other EU member states: yet homelessness has still arisen.

The theoretical approach applied in this paper attempts to move beyond the structure–agency debate in the homelessness literature by focusing on the characteristics that most homeless people share on their paths to homelessness. Simple associations among factors associated with homelessness cannot provide a definitive account of the causes of homeless; such data can, however, provide invaluable insights into the constellation of factors that are associated with the phenomenon of homelessness. This briefing paper reveals that the pervasiveness of consumer credit has often been a critical juncture on the pathway to homelessness in the Czech Republic, despite the assistance available from a strong welfare state.