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What does the ban do?
Under the moratorium, most tenants struggling to pay their rent in the wake of the pandemic cannot be evicted until June 30th.
Who is Eligible?
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Authorization can be obtained in different ways.
If you received a stimulus check in 2020 or 2021, did not have to report income to the IRS in 2020, or earned less than $ 99,000 as an individual or less than $ 198,000 as a joint applicant, you are protected by the ban.
You will also need to confirm on a registration form that you are unable to pay your full housing benefit due to financial setbacks, including a significant drop in income or high medical expenses.
What do I have to do to access protection?
If you meet the above requirements, you must sign this declaration and give it to your landlord.
“If a tenant cannot pay the rent, they should show the statement to their owner as soon as possible,” said Emily Benfer, eviction expert and visiting law professor at Wake Forest University.
What if my landlord ignores it?
The CDC’s eviction ban has been criticized for lack of enforcement and hundreds of thousands of people have been evicted from their homes despite the policy.
This could change soon.
With this extension of the moratorium, regulators, including the Consumer Financial Protection Bureau and the Federal Trade Commission, have promised to tackle violations by property owners. And on the new registration form, landlords are threatened with fines and imprisonment if they fail to comply.
If your landlord ignores the ban after you give them the explanation, file a complaint with the CFPB. You should also seek legal help immediately.
Sometimes the records you receive with the hearing date of your eviction will include the contact information for legal services in your area.
If not, you should be able to find your agency online, said Alexis Erkert, an attorney with Southeast Louisiana Legal Services. “The court can possibly also pass on contact information to people,” said Erkert.
At Lawhelp.org, you can find inexpensive or free legal assistance regarding an eviction in your state.
A study in New Orleans found that more than 65% of renters were evicted without legal representation, compared with less than 15% of those who had a lawyer.
Should I still pay my rent?
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Ordering the CDC does not release you from your obligation to pay the rent. You want to do your best to keep up with your bills during the pandemic to avoid falling into debt and being evicted in July.
Between the federal stimulus package passed in December and the stimulus package passed this month, more than $ 45 billion in financial assistance is now available for those who have defaulted on their rent.
Get in line for the money ASAP.
“Where or how you apply varies from city to city,” said Benfer.
Rent Assistance Funds already existed in many areas, and it is through one of these funds that you apply for the new assistance. In other cases, new programs will be created to cash out the money, Benfer said.
“Tenants should contact local housing associations, their agents, or the local 211/311 lines to identify programs and how to apply,” she added.
The National Low Income Housing Coalition also has a database of rental assistance programs.
Justshelter.org is a great place to find other community resources for people struggling to pay their rent.