How to avoid an eviction if your state hasn’t extended the moratorium


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The federal moratorium on evictions, which the Centers for Disease Control put in place in September 2020 to help stop the spread of the coronavirus, was blocked by the Supreme Court in August. The court said only Congress – not the CDC – had the right to institute such a policy. This means that many families in arrears with rent payments could consider eviction before the fall.

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More than 3.5 million people, or 6% of renters across the country, told the US Census Bureau that they were “likely” or “very likely” to be evicted with the lifting of the moratorium. In southern and midwestern states like Missouri, North Carolina and Louisiana, the survey showed that number rose to 20% of renters who feared losing their homes.

If you’re at risk of eviction due to unpaid rent bills, rest assured. There are places to turn for help.

Examine state laws to see what protections exist for tenants

Depending on your condition, you may still be protected from deportation for another year or more. For example, the NYS COVID-19 Emergency Eviction and Foreclosure Prevention Act has been extended to protect tenants in New York City until January 15, 2022. You must submit a hardship declaration form to your landlord, a representative of your landlord ( as a managerial property), or to the local housing court to benefit from the extension.

Apply for federal rent assistance

If you don’t live in a state where the moratorium on evictions has been extended, you may qualify for emergency rent assistance at the local, state, regional, or federal level. The federal ERA program can also provide assistance with the costs of the Internet, electricity, and other utilities. By having these costs covered by emergency aid, you may be able to pay your rent.

Help can also cover rent payments and late fees. In some cases, if you are forced to relocate, you may be able to get help with security deposits, screening and application fees, according to

Consider other options for generating rental income

With a tight job market and many companies looking for help, you may be able to earn some extra cash to make ends meet. Consider working part-time with a food delivery service, pet sitting service, or personal shopping service. You can also look for options with a flexible schedule that you can do from home, like working as a virtual assistant or transcriptionist. Many remote jobs have flexible hours so you can fit them into your full-time job.

“It’s easier than ever in 2021 to make money on a variety of apps, and we’re in a tight job market,” said Gary Grewal, certified financial planner and contributor to

Negotiate with your landlord

Landlords don’t want to face the eviction process any more than their tenants. But the point is, not all landlords have plenty of cash and if you don’t pay rent they might not be able to make their mortgage payments to keep the building you live in or pay their mortgage. utility bills to keep your lights on. .

It’s worth trying to negotiate with your landlord to find an arrangement that allows you to stay in your home while still giving your landlord the income they need. Howard Dvorkin, CPA, advises, “Contact your landlord to discuss a deferred payment plan. It’s worth it because most landlords don’t want to pay the fees to take legal action, go to court – especially with COVID still spreading – and deal with the expense and hassle of finding a new tenant. “

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However, if your landlord decides to pursue the eviction with legal action, make sure you are protected.

“If you find yourself in court, you need a lawyer. Find one that specializes in evictions. If you’re worried about the cost, just know this: you’re likely to pay more and suffer more without one, ”says Dvorkin.

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This article originally appeared on How to Avoid a Deportation If Your State Did Not Extend the Moratorium

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