2020 has, without question, been a year that has turned life upside down for many people. That feeling is entirely understandable, as this is an unprecedented time. For many of us, it has caused problems and issues we never would have expected. Unfortunately, living through a pandemic doesn’t come with a rulebook. It doesn’t come with a suggested set of guidelines as to how we should handle certain issues or how to make the best choices. The truth is that most of us are trying to move forward and make it through in the best way that we can – and that looks different for everyone.
Whether because of the pandemic or simply because you have fallen on difficult times for other reasons, one problem you may have is simply not having enough money to afford all of your bills. You may be unable to work because of social distancing, because your employer has gone out of business, or because you are immunocompromised. You may feel forced to choose between paying for food and medical care, or paying your mortgage or rent. If you find yourself in this situation, you may be facing the possibility of an eviction.
If you are facing the possibility of being evicted, you should know first and foremost, that you are not alone. in fact, many experts feel that the United States may be facing the most severe housing crisis in its history. It is estimated by some that in the next several months, nearly 30 to 40 million people may be at risk of being evicted from their homes. Certainly, this is stressful both for those who are facing evection, and in the case of rentals, for property owners who may struggle to pay their mortgages and property taxes without the rent they need.
Understandably, this situation can be unsettling, stress-inducing, and even overwhelming at times. All of those feelings are normal. If you feel this way, know that it is normal but also know that if you are a renter facing the possibility of eviction, you don’t need to panic. Fortunately, because of the pandemic, there are special protections in place for homeowners and renters who find themselves unexpectedly facing eviction and unsure how to handle this problem. In addition to national and possibly local protections to help those facing eviction, there are a few other tips you may want to consider if you find yourself in this situation:
- Pay if Possible: Some might say that this seems obvious – but it is worth saying anyway. If you can pay, you should. While the COVID-19 pandemic has been difficult for renters, it also been difficult on landlords and property owners, many of whom often wonder how they will pay their mortgage. Part of being a responsible renter is paying your bill monthly on time if you are able to. In the long run, it helps you, and your landlord as well. As a renter, you won’t face late fees and mounting bills, and your landlord won’t worry about how her here she will continue to pay the mortgage on the property that you’re living in. It’s the best possible solution for everyone – if it is possible.
- Make the Effort to Talk to your Mortgage Company or Landlord: Sometimes, simply making the effort to explain your situation and to be honest about your circumstances and ask for help can end up being the best possible solution. Most landlords don’t relish the idea of kicking their tenants out, and if it all possible, working out an arrangement where you can make payments when you’re able is optimal. You may be surprised at how easily you’re able to come to a solution that works for everyone. Many mortgage lenders understand the difficulties the pandemic has placed on all of us, and have programs to assist – but again, you must reach out for help and not ignore the enevitable.
- Seek Financial Assistance: In an ideal world, financial assistance wouldn’t be needed, and everyone would be able to pay their bills on time, and in full. Unfortunately, however, that’s simply not the reality of life. Sometimes, help is needed – and when that’s the case, it is worth seeking financial assistance if possible. While not a long-term solution, it can be of tremendous help as you seek to get back on your feet and move forward to a healthier place financially.
- Consider Seeking Legal Advice: If you find yourself facing the prospect of eviction, you may feel that you are unable to afford an attorney, and therefore you may not even have considered the possibility of seeking legal advice. You should know though, that many attorneys and legal aid offices provide legal advice and representation for free or at a significant discount for those facing economic difficulties and the prospect of eviction. It is worth finding out whether you may qualify for that representation, and using it if possible.
At GayRealEstate.com, We’re Here for You
At GayRealEstate.com, our passion is helping members of the LGBTQ community with the entire real estate experience – whatever that experience may be. It may be buying the home of your dreams, it may be selling your home as you contemplate the prospect of moving to a new location and beginning a new chapter, or it may be dealing with more difficult issues, like eviction. Whatever your particular need at this time, we are here with a goal of helping you live happily in a home that you love. We’re honored to have that opportunity, and we would welcome the chance to talk with you about your needs at any time. Reach out to start a conversation with a top LGBTQ Realtor in your city; www.GayRealEstate.com.