Rudkus family's house-purchase fraud and ruin
Jurgis Rudkus's Lithuanian family pools its savings to buy a 'new' house in Packingtown, not realizing the contract is effectively a rental with hidden interest, insurance and fees, and that missing a single payment forfeits everything; the house is secondhand, cheaply rebuilt, and has been resold to failing immigrant families again and again. To keep up payments, women and children are pushed into the plants. Jurgis is jailed for assaulting Ona's boss, who had coerced her into sex, and the family defaults and loses the house. Ona then dies in childbirth, and his son Antanas later drowns in the unpaved street.