Various moratoriums by the governors or lenders have delayed foreclosures. But eventually, those moratoriums end and if you are behind on your mortgage or rent, you are risk of foreclosure or eviction. Bankruptcy can help prevent both. Even if your Lender or Landlord are not filing suit just yet, now is the time to plan ahead and consult with an experienced attorney. Various options may exist. Mortgage modification may be possible or a payment plan with a Landlord. Chapter 13 bankruptcy is also a possibility, where you can force the Lender or Landlord to take the missed payment over a period of 5 years.
Perhaps you no longer wish to retain that house or Apartment, but are concerned that you will not be able to pay the accumulated debt. Chapter 7 may be an option for you. If you are having these type of issues, you should seriously consider consulting with an attorney now to understand your options. Merely consulting with an attorney is not committing to filing, but if you are eventually going to need to file, a little planning can go a long way in being prepared for that step,