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Homeless Families Conference: Dare to Hope 2025 Dr Mel Nowicki is Reader in Urban Geography at Oxford Brookes University, and Visiting Reader at King's College London. Her research focuses on people's lived experience of the housing crisis. Her project in collaboration with Prof Katherine Brickell, ‘The Debt Trap’, explores the intersections between homelessness, temporary accommodation, and debt among women in Greater Manchester. Their recently published book 'Debt trap nation' offers an intimate and politically-energised account of a failing state in technicolour. Government choices have created a debt trap that is consuming mothers, children and survivors of domestic abuse and is now driving local authorities to bankruptcy. Families do not fall into this trap, they are pulled into it. The book urges the reader to question the state-cultivated and politically-convenient stigma that equates debt and homelessness with personal moral failure. It is time to flip the script. It is not families who are failing, families are being failed.