Housing ReliefMany renters received terrible news on August 26, as that’s when the federal eviction moratorium ended. With 90 percent of renters losing such protection, it’s safe to say that millions are now wondering if they’ll get to stay in their homes or be forced to find new housing.
What should you do if it looks like eviction is in your near future? Rather than ignoring the issue that won’t go away on its own, do the following.
Look for Rental Assistance
Although the end of the national eviction moratorium was horrible news, here’s a silver lining: Congress set aside billions in funding for the Emergency Rental Assistance (ERA) program. But even though that much money was allocated for this program, much of the cash has failed to make it into the hands of those who need it most. Why? Because they don’t know the ERA program exists, plus the money is split between almost 500 state and local programs.
You can find your local program here. They’ll help you determine eligibility, which is based on four factors. First, you must have housing instability, which could include facing eviction or living in unsafe conditions. Second, your income must fall below a certain level for your area. Third, a household member must be facing financial hardship. And lastly, you must have a rental agreement that demonstrates your address and how much you pay each month.
What can you get if you qualify for the ERA program? Help with paying back and future rent, utility bills, and moving expenses if you had to relocate. In other words, make it a priority to apply to this program as soon as possible.
While the ERA program gets top billing in helping with the rent, use this link from the National Low Income Housing Coalition to find even more rental relief programs.
See if There’s an Eviction Moratorium in Your Area
Even though the national eviction moratorium ended, that didn’t stop several areas from starting their own to keep renters protected. Some examples include California, New York, Washington, DC, New Jersey, and Minnesota. Research online to see if your area has such a moratorium in place, as it can buy you some time.
How to Handle Eviction
If you know eviction is on the table, but you haven’t been sued yet, you still have time on your side. Ask your landlord if they can set you up with a repayment plan or reduced rent. Letting them know that you’re seeking emergency rental assistance can help with this request. IF they agree, make sure you get everything in writing.
If you’ve already been sued for eviction, look for legal assistance. The American Bar Association can help you find free legal help. JustShelter.org can also offer eviction assistance.
Look for New Housing
If eviction is unavoidable, don’t hesitate to look for new housing. JustShelter.org can help here, too, as can the HUD, 211, or the rental assistance programs listed above.
