Name: The federal eviction moratorium is gone. What renters should know now
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The federal eviction moratorium is gone. What renters should know now

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CNET también está disponible en español.Don't show this againThe Senate proposal will include another eviction moratorium, but it'll still take some time before that passes. What happens in between?For the most up-to-date news and information about the coronavirus pandemic, visit the .The eviction moratorium established by the&nbsp;&nbsp;ran out Saturday, meaning&nbsp;&nbsp;who are behind on rent could potentially lose their housing. On Sunday, White House economic advisor Larry Kudlow said that the Senate's proposal for , includes "plans to lengthen the federal eviction moratorium," .We expect the final decision to come during , leaving millions of Americans vulnerable during the gap. Some landlords reportedly&nbsp;, even before the protection ended. Housing advocates say they expect a "."Meanwhile, statewide eviction prohibitions have mostly either already expired or will soon, many with no replacement in sight. Michigan, for example, , as . A handful of states never canceled evictions to begin with.Keep track of the coronavirus pandemic.Where does this all leave you? Is August rent still due on the first day of the month, or can you still get an extension? Can your landlord evict you now if your payment is late? Which laws, if any, can help you keep your home as you&nbsp;? Will there be that might help? Here's where things stand now and what analysts are predicting might happen as Senate negotiations continue. Note that this story is updated frequently as the situation develops. It's intended to provide an overview, not to serve as financial advice. The&nbsp;&nbsp;that was passed in March&nbsp;&nbsp;and late fees until July 25. It also required a 30-day notice to vacate before you can be evicted.&nbsp;If you live in a property covered by the CARES Act, landlords can legally ask you to leave and charge late fees, but the soonest they can legally file an eviction to force you to leave is Aug. 24.Second stimulus checks are closer to realityThe CARES Act protected only about one-third of rental properties in the US, specifically, those that received federal funds or were financed under a federal program like Fannie Mae or Freddie Mac. It isn't clear if Congress will broaden the scope of properties covered under law.&nbsp;Here's where things get tricky: If your landlord owns your building outright or financed the property without going through the handful of federal programs that guarantee most mortgages&nbsp;and doesn't get any government assistance like Section 8 money, the CARES Act didn't apply to your situation. For tenants of single-family homes or of apartments in buildings with four or fewer units, it's going to be tough to find out whether this or a similar law applies to you. But if you live in a multifamily property with five or more units, there's a tool&nbsp;&nbsp;that's designed to tell you if the property where you live was covered under the CARES Act. Just enter your ZIP code and scroll through the list of properties looking for yours. (Searching within the page didn't work for us.) There's one more wrinkle, however. Just because your building isn't listed doesn't necessarily mean it wasn't covered -- the tool only tracks properties with five or more units, and it might not even cover all of those. So if you rent a single-family house or an apartment in a building with four or fewer units, it may not be listed even if the property fell under the CARES Act.&nbsp; To find out the status of eviction protection in your state, legal services site&nbsp;&nbsp;maintains an&nbsp;.&nbsp;If you're seriously delinquent or know you will be soon, you may want to consult a lawyer to better understand how laws in your area apply to your situation. Legal Aid provides attorneys free of charge to qualified clients who need help with civil matters such as evictions -- you can locate the&nbsp;.&nbsp;Nonprofit website&nbsp;&nbsp;connects those in need of help with essential community services in their area. It's recently set up a&nbsp;. If you're having trouble with your food budget or paying your housing bills, you can use 211.org's online search tool or dial 211 on your phone to talk to someone who can try to help.&nbsp; Another nonprofit,&nbsp;, puts tenants facing eviction in touch with&nbsp;&nbsp;remain in their homes or, in worst-case scenarios, find emergency housing. The online legal services chatbot at&nbsp; recently added a that the company says will identify which of the laws, ordinances and measures covering rent and evictions apply to you, based on your location.&nbsp; DoNotPay is a service that will draft and send a letter to your landlord on your behalf, asking for either deferred payments or to waive late fees. Here's&nbsp;. In almost all instances it's probably best to work out an arrangement with your landlord or leasing agency, if at all possible. Although some landlords have reacted to the pandemic by reportedly&nbsp;,&nbsp;, some going so far as to&nbsp; for a period of time. It&nbsp; to see if you can pay less rent in the coming months, or spread payments for the next couple of months' rent out over the next year. As renters across the country and more&nbsp;, your landlord may prefer such an arrangement to not receiving any rent at all. Just be wary of landlords who make excessive demands. For example,&nbsp; or any money received from charity as a condition for not filing an eviction order. Don't agree to unreasonable conditions or terms you won't be able to meet, especially if your city or state has enacted protections against such arrangements. If you're concerned about your financial situation these days, consider these&nbsp; and get some&nbsp;. And here are that might be able to help you through a tough time.CloseSign in to commentBe respectful, keep it civil and stay on topic. We delete comments that violate , which we encourage you to read. Discussion threads can be closed at any time at our discretion.

CNET también está disponible en español.Don't show this againThe Senate proposal will include another eviction moratorium, but it'll still take some time before that passes. What happens in between?For the most up-to-date news and information about the coronavirus pandemic, visit the .The eviction moratorium established by the&nbsp;&nbsp;ran out Saturday, meaning&nbsp;&nbsp;who are behind on rent could potentially lose their housing. On Sunday, White House economic advisor Larry Kudlow said that the Senate's proposal for , includes "plans to lengthen the federal eviction moratorium," .We...

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The federal eviction moratorium is gone. What renters should know now

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