Capitalist Review

Financial Products Reviewed

Eviction Freeze Guide (COVID-19 Rent Relief)

April 23, 2020 by CapitalistReview Leave a Comment

As the impact of the COVID-19 crisis continues to be felt around the country, government agencies are taking steps to prevent renters and homeowners from being evicted. A patchwork of federal, state and local programs have been introduced to help shield those who have lost income from also losing their homes. However, the programs are complex and vary depending on your location. We put together this Covid-19 eviction freeze guide to help you learn about coronavirus rent relief programs in your area.

coronavirus-rent-relief

Contents hide
1 Coronavirus Rent Relief – Federal Level
2 Eviction Freezes and Rent Assistance – State Level
2.1 Arizona
2.2 California
2.3 Hawaii
2.4 Indiana
2.5 Iowa
2.6 Kansas
2.7 Kentucky
2.8 Louisiana
2.9 Maine
2.10 Maryland
2.11 Massachusetts
2.12 Michigan
2.13 New Hampshire
2.14 New Jersey
2.15 New York
2.16 Oregon
2.17 Washington
2.18 Wisconsin
3 What to Do If You Can’t Pay Rent
4 Other Resources
4.1 Housing Support from Fannie Mae
4.2 Support from Financial Institutions
4.3 Government Stimulus
4.4 Friends & Family
4.5 Share this:
4.6 Related

Coronavirus Rent Relief – Federal Level

On the federal level (meaning nationwide in the USA), there is one program that helps shield some renters from eviction.

As part of the CARES Act, the $2 trillion coronavirus stimulus package, renters in certain federally-backed homes are protected from eviction for 120 days.

However, this provision only applies to:

  • Housing with federally-backed mortgage loans
  • Housing covered by the rural housing voucher program
  • Housing covered under section 41411 of the Violence Against Women Act of 1994

Renters in housing in one of the categories above are restricted from eviction until July 25, 2020. Additionally, landlords are restricted from charging late fees or other penalties.

Keep in mind that this legislation does not mean that you don’t need to pay rent – it just means that your landlord cannot evict you for nonpayment until the summer. Additionally, this program only applies to certain homes, so it’s not going to cover all renters.

 

Eviction Freezes and Rent Assistance – State Level

Various states have introduced legislation and executive orders to shield renters from eviction. For the most up-to-date information, we recommend researching regulations in your specific area. For now, here’s an overview of states with some sort of eviction moratorium in place, as of the date of this article’s publication.

Arizona

Arizona’s governor passed an executive order that delays evictions for renters affected by COVID-19, for up to 120 days from March 24th. Renters will still owe rent payments, but they cannot be evicted for financial reasons for the next several months.

California

California’s governor passed an executive order that allows local governments (county/city) to pause evictions for renters. The legislation is active through May 31st, 2020, but will likely be extended. There is no state-wide eviction freeze, but many local governments have implemented their own programs in response to this statewide executive order.

Hawaii

Hawaii’s governor has issued an executive order preventing evictions through at least April 30, 2020.

Indiana

Indiana’s governor has issued an executive order that pauses evictions until the State of Emergency order is lifted.

Iowa

Iowa’s governor has enacted a temporary suspension of certain evictions, and has also paused foreclosure proceedings.

Kansas

Kansas’ governor has issued an executive order which orders financial institutions to pause residential and business evictions until May 1st.

Kentucky

Kentucky’s governor has recently paused eviction cases.

Louisiana

Louisiana’s governor has suspended all foreclosures and evictions.

Maine

Maine’s governor has issued an executive order banning immediate evictions for nonpayment.

Maryland

Maryland’s governor has instructed local courts to prevent evictions for any tenants who can prove that their failure to pay is directly related to the Covid-19 outbreak. The order is in effect until the State of Emergency is lifted.

Massachusetts

The Massachusetts legislature has issued an emergency declaration that prevents sheriffs from carrying out evictions.

Michigan

Michigan’s governor passed an executive order that prevents evictions, however, the order expired on April 17th.

New Hampshire

New Hampshire’s governor has issued an executive order delaying eviction proceedings for tenants experiencing financial difficulty due to the Covid-19 outbreak.

New Jersey

New Jersey’s governor has issued an executive order pausing foreclosures and evictions for 60 days (from March 19th).

New York

New York’s governor has announced a three-month suspension of all evictions, both residential and commercial. For homeowners who are unemployed, the state has also suspended mortgage payments for 90 days.

Oregon

Oregon’s governor has issued an executive order implementing a 90-day eviction moratorium, starting on March 22nd.

Washington

Washington’s governor has suspended evictions through June 4th, and implemented some other protections for renters.

Wisconsin

Wisconsin’s governor has issued an executive order that prevents landlords from terminating tenancy for failure to pay. The order is good for 60 days from March 27th.

If your state is not on the list above, there is likely no state-wide eviction freeze in place. However, there may still be local programs on the county and city level. And remember, government response to this crisis is changing very fast, so we encourage readers to research laws in their specific areas, and keep an eye on local news.

 

What to Do If You Can’t Pay Rent

If you are facing financial difficulty due to the coronavirus outbreak and are struggling to pay rent, here is what we’d recommend doing:

  1. Read through your lease agreement and understand your responsibilities and rights. Pay attention to any mention of fees, due dates, the eviction process, etc.
  2. Contact your landlord and explain the situation. There are many reports of landlords being flexible with due dates, late fees, etc. as a result of the extraordinary circumstances we are all facing right now.
  3. Research & verify rent relief and eviction protection programs in your state, county and city. There are a huge number of local programs at almost every level of government. It’s important to understand the rules and programs available in your specific area.
  4. If you’ve lost your job, apply for unemployment insurance through your state agency. The federal government is currently supplementing unemployment payments, so you may get more money than what your state offers.

Not being able to pay rent can be a very stressful experience. Fortunately, many governments have implemented policies to help protect renters. It’s just a matter of finding the programs, and being aware of your rights as a tenant.

 

Other Resources

In addition to local rent freezes and eviction moratoriums, there are a huge number of resources that Americans can take advantage of during this time of crisis. Some key options are listed below.

 

Housing Support from Fannie Mae

Fannie Mae, a federal mortgage provider and backer, has put together a helpful guide for renters affected by the Covid-19 outbreak. They also offer various free services to help affected renters get through this crisis. The Disaster Response Program from Fannie Mae can help connect you with advisors that can assist with:

  • Personalized plans to help you whether the storm financially
  • Help figuring out your housing situation
  • Budgeting advice and financial coaching
  • Ongoing check-ins with an advisor
  • Online tools and more

This service does not provide financial assistance. Instead, it aims to provide helpful advice and resources to help renters get through this crisis. The program is available for free, and can be reached by calling 877-542-9273

 

Support from Financial Institutions

If you are facing financial hardship, a good place to start is to contact your bank. Many banks are being flexible with loan payments, interest, and late fees. Hopefully your bank can work with you to help ease some of the financial burden you are facing.

Many smaller banks and credit unions have been more proactive in attempting to help their customers through these challenging times – and even some of the larger banks are also waiving fees.

 

Government Stimulus

The US federal government has responded to the coronavirus crisis with an unprecedented stimulus package. This includes Stimulus checks being sent to most Americans (up to $1,200 per person), as well as expanded unemployment benefits and more.

This guide does a good job of explaining the entire bill and how you can take advantage of its protections for American citizens.

 

Friends & Family

Lastly, remember that we are all in this together. If you are struggling to meet your financial obligations, you may be able to get help from friends or family. Sites like GoFundMe allow you to collect donations from your friends, and if you feel comfortable with it, you can simply reach out directly to those who may be able to help.

 

Share this:

  • Click to share on Twitter (Opens in new window)
  • Click to share on Facebook (Opens in new window)

Related

Serve.com/CashBack: American Express Serve $25 Promotion (Review and Guide)
Capital One Savings Account Bonus (SCORE500)

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Popular Posts

  • Jet Blue Mastercard Activate and Review (Barclaycardus Activate Online)
    Jet Blue Mastercard Activate and Review (Barclaycardus Activate Online)
  • www.mercurycards.com/activate - Login to Activate Your Mercury Mastercard
    www.mercurycards.com/activate - Login to Activate Your Mercury Mastercard
  • Best Buy Account Credit Card Login, Activation, & Review
    Best Buy Account Credit Card Login, Activation, & Review
  • GetMyOffer.CapitalOne.com - Card Application for 2022
    GetMyOffer.CapitalOne.com - Card Application for 2022
  • AmericanExpress.com Confirm Card (2022 AMEX Card Review)
    AmericanExpress.com Confirm Card (2022 AMEX Card Review)
  • www.AspireCreditCard.com Pre-Approved/Acceptance Code (2022)
    www.AspireCreditCard.com Pre-Approved/Acceptance Code (2022)
  • Upstart.com My Offer Code, Refinance, & Reviews
    Upstart.com My Offer Code, Refinance, & Reviews
  • FirstNationalCC Apply (Card Review & App - Updated 2022)
    FirstNationalCC Apply (Card Review & App - Updated 2022)
  • www.wellsfargo.com/myoffer reservation number - Respond to Mail Offer
    www.wellsfargo.com/myoffer reservation number - Respond to Mail Offer
  • www.homedepot.com/applynow With Reference Number (2022)
    www.homedepot.com/applynow With Reference Number (2022)




Pages

  • About Capitalist Review
  • Affiliate Policy
  • Capitalist Review
  • CapitalistReview Merch
  • CapitalistReview Privacy Policy
  • CapitalistReview Terms of Use
  • CapitalistReview.com
  • Contact
  • Sponsored, Guest Post, and Advertising

Categories

  • Credit Cards
  • Investing
  • Banking
  • Loans
  • Mortgage
  • Capital One Credit Card
  • SoFi Student Loans

Recent Posts

  • JJillCard.com: Make a Payment & Update Account
  • GetMyOffer.CapitalOne.com – Card Application for 2022
  • OpenSkyCC.com/Activate: MyAccount Online Account Activation
  • Exxon Mobil Credit Card Login, Application, & Review
  • Can You Use a Walmart Credit Card at Sam’s Club? (FAQ)

Navigation

Capitalist Review Sitemap

Contact Us

Popular

Jetbluemastercard.com/Activate

mercurycards.com/activate

www.barclaysus.com/activate

Recent Posts

  • JJillCard.com: Make a Payment & Update Account
  • GetMyOffer.CapitalOne.com – Card Application for 2022
  • OpenSkyCC.com/Activate: MyAccount Online Account Activation
  • Exxon Mobil Credit Card Login, Application, & Review
  • Can You Use a Walmart Credit Card at Sam’s Club? (FAQ)

RSS Capitalist Review

  • JJillCard.com: Make a Payment & Update Account May 25, 2022
    JJill Card Payment You can pay your J. Jill credit card in a variety of different forms, the easiest being online. In order to pay your bill online please visit https://d.comenity.net/ac/jjill/public/home and click on the “sign-in” tab. This will allow you to access your account homepage. Please note those who are new to the card […]
    CapitalistReview
  • GetMyOffer.CapitalOne.com – Card Application for 2022 May 24, 2022
    Get My Offer From Capital One (Quick Summary) A credit card offer from Capital One Almost always arrives by US Mail in the form of a promotional application Intended for consumers with a good to great credit score If you receive this offer you should be happy as you have a great credit score The […]
    CapitalistReview
  • OpenSkyCC.com/Activate: MyAccount Online Account Activation May 22, 2022
    Activate an OpenSky credit card online Simply rev up the old PC and head on over to www.openskycc.com/activate and follow the on-screen instructions. Activation will take about 5 minutes to complete. Please note in order to obtain the OpenSky credit card you must be 18 years of age or older and a legal resident of […]
    CapitalistReview
  • Exxon Mobil Credit Card Login, Application, & Review May 22, 2022
    Exxon Mobil Credit Card Login If you are an Exxon Mobil credit card customer and are looking to take your credit card online please visit citiretailservices.citibankonline.com and follow the on-screen prompts. You must provide an email address, Alternative site logins include exxonmobilcard.com login and https://citiretailservices.citibankonline.com. Please note you must be 18 years of age or […]
    CapitalistReview
  • Can You Use a Walmart Credit Card at Sam’s Club? (FAQ) May 22, 2022
    Can you use a Walmart credit card at Sam’s club? Walmart issues two credit cards: Walmart MasterCard and the Walmart Rewards Card. You must be 18 years of age or older and a legal resident of the United States. Both Walmart credit cards can be used at Sam’s Club. Visit walmart.capitalone.com to learn more about […]
    CapitalistReview

You can trust the integrity of our balanced, independent financial advice provided by Capitaliat Review. CR may, however, receive compensation from the issuers of some products mentioned in these articles. Opinions, reviews, analysis, advice, and thoughts are the author’s alone and his/her alone only. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted.

pages

  • About Capitalist Review
  • Affiliate Policy
  • Best Credit Cards of 2016
  • Capitalist Review
  • CapitalistReview Merch
  • CapitalistReview Privacy Policy
  • CapitalistReview Terms of Use
  • CapitalistReview.com
  • Contact
  • IndigoCard.com Apply – Indigo Platinum MasterCard Review
  • Sofi.com/Refinance1: Pre-Selected Refinance Promotional Offer Worth It?
  • Sponsored, Guest Post, and Advertising
  • Student.DRBank.com/BigSavings – Refinance Student Loan with DRB?
  • www.Betterment.com/Start – 5 Reasons to Invest with Betterment
  • www.cashnetusa.com/approved – Prequalified Loan Offer
  • www.SaveWithProsper.com – Prosper Loan Review for Borrowers
  • www.sofi.com reviews – SoFi Review and Sign Up Bonus
  • www.trysofi.com – Student Loan Refinancing From SoFi Worth It?
  • www.upstart.com/myoffer – Upstart Loan Application
  • Best Credit Cards
  • Best Credit Cards For Foodies
  • Coronavirus Home Refi?

© 2016–2022 Capitalist Review

 

Loading Comments...