On a hot August Saturday afternoon in southern Oregon, community members trickled into Phoenix High School's auditorium. Some brought their children and stopped to grab a free lunch of enchiladas and watermelon juice from Rogue Food Unites before taking their seats at a cluster of round tables. They talked as they ate, enjoying the sun that filtered through the large windows.

"We've been kicking the can down the road," explains Christopher Spence, a housing expert who has worked in the industry since 1992. He's referring to rent and fees some tenants are delaying paying off, due to pandemic-related hardships. Protections have kept them housed, but the rent will eventually come due.  "Just because landlords are not moving forward with eviction doesn't mean tenants don't have fees accruing," Spence says.