Millions of US residents face eviction during a pandemic: what to do if it's you - ForumDaily
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Millions of US residents face eviction during a pandemic: what to do if it's you

Up to 40 million Americans could lose their homes as a result of the pandemic. What action to take if you face eviction, explains CNBC.

Photo: Shutterstock

Alaina Lattin received an eviction notice from her home in Conroe, Texas last month.

«Это был очень громкий стук, — сказала 32-летняя Латтин. — Они просто кричали: «Сдаем офис! Сдаем офис!»

Now a single mother worries that she and her four children will be left homeless.

Латтин — одна из десятков миллионов американцев, которым грозит выселение из-за пандемии коронавируса. Несмотря на то, что уровень безработицы остается на историческом максимуме, а число случаев заражения вирусом продолжает расти, федеральный мораторий на выселение, предусмотренный в первом пакете мер стимулирования, истек в конце прошлого месяца.

President Donald Trump said a special decree he signed would help tenants, but advocates say the move will actually do little.

«Создается впечатление, что что-то было сделано, хотя на самом деле ничего не было сделано», — сказал Джон Поллок, координатор Национальной коалиции за гражданское право на адвоката.

On the subject: Trump signed new decrees on aid in connection with coronavirus: who and how much can get

Statewide eviction bans have ended in over 30 states. It is estimated that about 40 million Americans could be homeless during a public health crisis, four times more than during the Great Recession.

«Соединенные Штаты переживают самый серьезный жилищный кризис в истории», — сказала Эмили Бенфер, приглашенный профессор права в университете Уэйк Форест.

Despite the fact that by now most of the assistance measures have been exhausted, there is still a chance of retaining the right of residence.

The CARES Act, passed in March, prohibited the eviction of tenants from properties with government-backed mortgages and tenants receiving government-assisted housing. This protection expired on July 24th.

However, landlords must notify protected tenants under the CARES Act at least 30 days prior to their eviction, recalls Alexis Erkert, a lawyer with the Southeast Louisiana Legal Service.

Usually an eviction court order in Louisiana can only last 24 hours.

«Так что для арендаторов здесь действительно имеет значение, что арендодатели должны уведомить их за 30 дней», — сказала Эркерт.

Percentage of renters unable to pay for housing in some states:

  • Illinois - 42%
  • California - 37%
  • New Jersey - 44%
  • New York - 46%
  • Oregon - 33%
  • Pennsylvania - 40%
  • Florida - 51%

The worst situation with housing payments is in the states of Mississippi (55% are at risk of being evicted), Tennessee (58%) and West Virginia (59%).

The most paying landlords live in Vermont (22% cannot pay their rent), Massachusetts (27%) and Washington state (28%).

Полный список штатов — в этой infographics.

What to do if you face eviction

Government-funded lenders Fannie mae и Freddie mac recently provided guidance to help tenants locate their property to see if it meets the requirements of an eviction moratorium and therefore the 30 days notice rule. The Urban Institute estimates that this applies to nearly 30% of the country's rental space.

Meanwhile, during the public health crisis, many courts have switched to remote hearings. In some courts, both the landlord and tenant must agree to a virtual hearing. If they don't, the case won't be scheduled until the hearing returns to the courtroom, Benfer said. This could be another way to buy time.

In some states where the state's eviction moratorium has expired, some cities and counties have introduced their own tenant protections. You can find out which policies apply to you at this database (Google Docs document), which Benfer continues to update. Your landlord may not know about them or ignore them.

On the justshelter.org you can find resources for people at risk of eviction. Some states and cities have allocated funds to help people stay in their homes. For these purposes Arizona has allocated 5 million dollars. Residents Delaware can apply for rental assistance up to $ 1500. Similar measures of assistance were provided to residents Montana, Ohio, Iowa и New York... If you are accepted into the assistance program, notify the landlord right away.

Experts say many landlords are showing a willingness to work with tenants who request payment plans. Debi Stoby owns a 25-apartment building in Lakewood, Colorado. According to her, so far she has managed not to evict anyone during the pandemic.

«Нам лучше что-нибудь придумать, чем вообще ничего, — сказала Стоби. — Арендодатели не хотят выселять арендаторов».

On the subject: 'Homeless pandemic': 30 million Americans are at risk of eviction

Some renters use their credit cards to pay rent. Few homeowners or managers accept plastic, so you'll have to look for a third-party processor like Plastiq, Paypal or Radpad.

«Их идея состоит в том, что вы можете расплатиться с ними кредитной картой, а затем они отправят чек или электронный депозит вашему домовладельцу», — сказал Тед Россман, аналитик CreditCards.com.

But this option should only be used in difficult situations. Companies charge a commission (up to 2,85%, Rossman said), and then if you can't pay off your credit card balance right away, you'll be charged interest. The average card rate is currently around 16%.

Rossman said other ways to get rent might include loans from family and friends or from your retirement plan.

If an eviction hearing seems imminent, try to find a lawyer. One study in New Orleans found that over 65% of tenants with no legal representation were evicted, compared with less than 15% of those with a lawyer.

You can find low-cost or free legal aid for evictions in your state at lawhelp.org.

Sometimes the documents you receive with your hearing date will include contact information for legal services in your area. Otherwise, you should be able to find your agency on the Internet, Erkert said.

«Суд также может предоставить людям контактную информацию», — сказала она.

«Неважно, как — по телефону, по видео или лично — постарайтесь присутствовать на вашем слушании», — советует Эркерт.

«Многие арендаторы не появляются, а это означает, что им вынесут приговор по умолчанию, — добавила она. — Если они появятся, многие судьи, по крайней мере, дадут им дополнительное время для переезда».

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