How To Avoid an Eviction: Eviction and Foreclosure Help Guide

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Americans forced to relocate due to evictions and foreclosures went up 56% from 2021 to 2022, according to HireAHelper’s latest migration report. Unfortunately, that increase comes as no surprise, considering that federal legislation banning eviction during the pandemic expired in 2021.

That surge in eviction filings continues to affect households: A U.S. Census Bureau survey showed that as recently as February 2023, 40% of respondents felt they were at risk of eviction in the next eight months.

If you feel you might be at risk, here’s everything you need to know about how to avoid an eviction — or if you own your home, how to avoid a foreclosure.

How Does the Government Define “Eviction”?

eviction

An eviction is a process by which a landlord is legally enabled to force a tenant to leave a rental property.

This differs from…

a foreclosure, which is when a money lender seizes a property from the homeowner because they have fallen behind on their mortgage payments.

What happens when you go through the eviction process

The laws governing evictions and foreclosures vary by state, and the timelines and legal processes vary on a case-by-case basis. But as a general overview, here’s what the eviction process typically looks like:

  • You will receive an eviction notice (this is both mailed and posted on the property)
  • You have 30 days to respond by either vacating and/or paying any outstanding fees (such as overdue rent)
  • If you don’t pay your overdue fees and/or vacate, the landlord will likely file a complaint with the court
  • You’ll be officially notified of the date that you’ll need to appear in court
  • At your court appearance, you’ll be able to make a case as to why you shouldn’t be evicted
  • A judge will make a ruling on your case (you might be court-ordered to pay your fees and/or vacate; if you fail to do so, law enforcement can get involved to uphold the judge’s ruling; or you might win your case, in which case the eviction notice will be voided and removed)

 


“A U.S. Census Bureau survey showed that
as recently as February 2023, 40% of respondents felt they were at risk of eviction in the next eight months.”

 

 

What happens when you go through the foreclosure process

Meanwhile, the foreclosure process can be a little more varied, but often looks like the following:

  • You might begin accruing late fees just days after you miss a payment on your mortgage
  • 30 days after a missed mortgage payment, a borrower (aka homeowner) is considered “in default” of their payments (at this time, it’s important to reach out to the bank or lender and attempt to communicate any hardships or make arrangements to avoid further penalties)
  • Approximately 3-6 months following a missed mortgage payment, lenders can begin the foreclosure process. 
  • Accessable also to the public, you will receive a notice of foreclosure which will outline whether the foreclosure type is judicial, power of sale, or a strict foreclosure (the foreclosure type dictates the timeline, options, and proceedings for the homeowner)

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Your Renter’s Rights and Homeowner’s Rights

renters rights

While it’s a great idea for tenants and property owners to get legal counsel if they face an eviction or foreclosure, it also helps to get educated on your rights as a tenant.

Renter Rights

“Renters rights” refers to a broad set of protections for tenants. They help prevent landlords from evicting tenants anytime they simply want to, specifically without cause. While you should study up on local tenant rights in your particular region, and your particular situation, here are some things to know:

  • There are strict processes governing evictions. Your landlord can’t just lock you out of your apartment or force you to leave out of the blue! Steps they must take include providing notice in writing and giving you the chance to appear in court (see above).
  • If you’re taken to court, you don’t necessarily have a right to a government-provided attorney like you would in a criminal case. Be prepared to seek legal counsel on your own.
  • Evictions don’t happen overnight. There’s usually a fair and reasonable timeline governing the expectation that you vacate your home, even if your landlord has grounds to ask you to leave. Timelines vary by state and region, as well as your unique situation.
  • Your lease is the guiding contract in eviction disputes. You should be able to produce this document and use it to prove you’re living within established guidelines.

Homeowner Rights

Homeowners have rights, too, of course. Here is what to know if you might be facing foreclosure:

  • You have the right to remain on your property while seeking to dispute or prevent foreclosure. This is true up until you are court-ordered to vacate, at which time you are given a certain date to vacate.
  • You have the right to retain an attorney, but one might not be granted to you for free the way one is in a criminal court case. You should look into laws in your area and see what’s available to you in your financial situation.
  • Many services try to swoop in when people are facing foreclosure and take advantage of the situation by pretending they can help or offering too-good-to-be-true foreclosure resources. Just so you know, you’re protected by law from harassment, scams, or egregious sales tactics. Your legal counsel can help with cease-and-desist notifications, but simply making these entities aware that you know your rights can go a long way.
  • You have a right to participate in all meetings, settlement conferences, and court hearings regarding foreclosure of your home.
  • Most importantly, you have the right to settle your balance on your home and retain ownership up to the date that it is foreclosed on.

How To Stop an Eviction

eviction

If you’re concerned about being forced out of your home, but you’re not yet facing this reality, you can still take action.

Here are a few steps you can take now to avoid a foreclosure or stop an eviction:

  1. Communicate your intentions: “Well, of course I want to stay in my home,” you might be thinking. But your intentions might not be that obvious to an institution like a bank or property management company. It can be helpful to reach out to a real person and explain that you would like to try and resolve the situation at hand. Even if you need a little time to sort things out, you’re more likely to keep matters from escalating in the meantime if you communicate your intentions early (and then, of course, back them up with actions).
  2. Be proactive — and act fast: In many cases, eviction and foreclosure cases can be resolved by taking action to resolve the issue at the center of the case. This might be a matter of paying off an outstanding balance or making repairs. The sooner you demonstrate your willingness to resolve the matter, the more likely your landlord, lender, or the other party will be open to pausing proceedings and working with you.
  3. Consider taking out a loan: Many times, evictions and foreclosures come down to money issues, like late payments. Taking out money from a third-party to settle the matter is not always a possibility, or the smartest move. However, let’s say you missed a mortgage payment during a time of financial hardship, but you’re now gradually getting back on your feet. Taking out a loan that protects your investment and allows you to avoid moving fees might be worthwhile in the long run, since you know you’ll be able to pay it back (while still continuing to make mortgage payments on time going forward). Financial consultants can help you determine if this is the right choice for you. Bonus tip: For unbiased advice, seek out consultants who aren’t attached to a particular loan institution.
  4. Learn about free resources in your area. There are many government and not-for-profit resources that can help you navigate the complexities of an impending eviction or foreclosure. Learning what’s available in your specific state and city can save you a lot of headaches and heartaches. Experts with deep knowledge of the intricacies of your state’s laws can point you toward websites, forms, legal counsel, financial experts, and others to either stop an eviction or at least get help with the process along the way.

How To Avoid a Foreclosure

foreclosure

If you’ve already been served an eviction notice, or if you’re facing a potential foreclosure, there are still a few things you can — and should — do right away.

How to stop a foreclosure should always include these crucial things:

  1. Seek legal counsel. It helps to know your rights so that you’re not taken advantage of. However, you’ll also want to prepare the best possible defense in case you need to appear in court. Your landlord, a property management company, or a lender will surely bring an experienced attorney to these proceedings; you’ll stand the best chance by coming with one of your own — or consulting with one in advance.
  2. Consider your options for moving. Even if, understandably, you don’t want to leave, planning ahead can save you some money and anxiety, if worse comes to worse. Your plans might involve staying with friends or family for a while or getting a short-term rental in the area. You might want to get in touch with moving or storage companies and request quotes, just to get a sense of how much it will cost to move and what your options will be.

Knowledge Is Power

It’s stressful and scary facing the possibility of losing your home, but you can take some comfort knowing that there’s an entire process that needs to play out before that happens, and you’ll have a lot of opportunities to try and stop the eviction or foreclosure from progressing before it takes place.

The most powerful tool in your arsenal is knowledge. Understanding the legal processes involved and knowing your rights can mitigate your anxiety — but, more importantly, it can help you prepare the best possible strategy to avoid an eviction or foreclosure altogether.

How Your Renters’ Rights Can Lead to Rent Relief (and a Better Lease)

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It often feels like you hear a ton about bad landlords, a tiny bit about good landlords, and almost nothing about the people in between… you know, the ones who neither are your best friend nor take advantage of you as a renter, but who just do their jobs.

But we should be talking about the typical landlord a lot more! Not only are they the most common experience, but interacting with the leasing system is a great opportunity to take advantage of your rights as a renter

What are my renters’ rights?

They’re what you automatically get just by upholding your responsibilities as a renter.

Uh… what are my responsibilities as a renter?

The terms of your rental contract, and to pay rent. That’s it.

Is that really it?

Maybe you’re way ahead of me on this, but it took me a second to figure out that I didn’t owe my landlords literally anything beyond my monthly rent check and the terms and conditions I’d agreed to in my lease.

My landlords weren’t my parents, they weren’t my friends, and it turns out you don’t even get a gold star for being an A+ tenant who only ever asks for one thing fixed in seven years. (Why my toilet started suddenly and endlessly flushing of its own accord early on a Sunday morning, I will never know.)

But while you can’t get awards for being the best tenant, you do get rewards just for being a good tenant—or even just being a tenant at all. (See what I did there?)

These rewards are called “renters’ rights“.

Back up! What exactly are ‘renters’ rights’?

Hopefully you’re already well aware of this, but if you rent a property in America or its territories, there are lawful protections in place that are designed to help people who sign rental agreements. Renters’ rights extend from the federal level—meaning laws that universally apply to every state, U.S. territory, and the capital—all the way down to laws applicable only at the local level.

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Those rules and regulations differ vastly between areas, so it won’t be possible for us to get into the logistics of every single state in this one article, sadly.

But what I will do is cover the federal guidelines, plus lay out some of the specifics of my home state of California (plus my hometown of West Hollywood) in order to give you an idea of what sorts of things to be on the lookout for.

And don’t worry, I’ll also show you how to gain access to this information for your very own state, city, and even your neighborhood.

What are my federal renters’ rights?

Broadly speaking, in America, your overall federal renters’ rights (which you can click and dive into if you’re curious) are designed with three main goals in mind:

  • Provide a template for landlord-tenant agreements that can be adopted at the state level
  • Safeguard every renter’s right to a habitable space
  • Ensure that no American tenant experiences discrimination

Maybe you’ve heard this stuff before, but the first step to taking advantage of your rights as a renter is understanding them, so let’s dive a little deeper.

 

“Renters’ rights extend from the federal level, all the way down to the local level.”

 

A habitable space literally means “suitable or good enough to live in”, with specifics determined by your state. But examples of breaches might include:

  • Lack of running water
  • Faulty wiring
  • Poor maintenance
  • Pest infestation
  • Holes in the wall, ceiling, or floor

In terms of no American tenant experiencing discrimination, the Federal Fair Housing Act prohibits discrimination on the basis of:

  • Race
  • Color
  • National origin
  • Religion
  • Sex
  • Familial status
  • Disability

This is enforced by the U.S. Department of Housing and Urban Development (HUD). 

renter rightsNever be shy about reporting rental discrimination infractions

If you’re having issues in any of the above areas, you don’t have to just suffer through it; the federal government is there to provide support in just these sorts of situations without retribution. 

If you feel you’ve been experiencing discrimination from a landlord, you can (and should!) file an online complaint here. For habitability issues in federal housing, you can call (800) 685-8470, while those living in non-federal housing should contact state services (which we’ll get into next).

What are my state-level renters’ rights?

With the federal rights covered above, now we can zoom down to the state level to see what specific rights (often called “tenant rights”) you’re entitled to within the state that you live in.

Tenant rights cover a massive range of topics, and may (or may not) include written rules for matters such as:

  • Utilities
  • Rent control, and/or rights of low-income citizens
  • Security deposits
  • Air conditioning
  • Lawyers
  • Insurance obligations
  • Thresholds for maintaining renter or landlord status
  • Disaster relief
  • Military members
  • Specific parameters for things such as evictions, repairs, late fees, or lockouts
  • And much, much more

There are a lot of ways to go about figuring out your own state laws, but the two easiest ways are:

  • Google [your state] + [renters rights/tenants rights]
  • Select your state from the list below and explore (try to stick to “.gov” websites)
Alabama Illinois Montana Puerto Rico/U.S Virgin Islands
Alaska Indiana Nebraska Rhode Island
Arizona Iowa Nevada South Carolina
Arkansas Kansas New Hampshire South Dakota
California Kentucky New Jersey Tennessee
Colorado Louisiana New Mexico Texas
Connecticut Maine New York Utah
Delaware Maryland North Carolina Vermont
District of Columbia Massachusetts North Dakota Virginia
Florida Michigan Ohio Washington
Georgia Minnesota Oklahoma West Virginia
Hawaii Mississippi Oregon Wisconsin
Idaho Missouri Pennsylvania Wyoming

Where I live in California, for example, I’m led to a 121-page document that lays out everything I need to know as a renter, which includes a lengthy section on my rights as a renter.

Here are just a few of the things Californian renters are entitled to:

  • Strict limits on security deposits and late fees
  • Information about rent control ordinances that could limit or prohibit rent increases
  • Limits on their landlord’s ability to enter their property
  • The circumstances under which they’re allowed to withhold rent payments
  • Specifics about what “habitable” means in California
  • The right to know whether someone died in their unit (!) within the last three years
  • Information about procedures their landlord will have to follow if they want to evict them

What are my current place’s renter rights?

It should all be on the paper you signed (digitally, or in person).

In other words, your lease. This is the most relevant piece of literature for any renter. You should always read it carefully before signing.

Here’s the thing though: an unsigned contract is your chance to ask for amendments. You can get items struck that you know (from your research) aren’t legal, and potentially even request a rent reduction. (Hey, there’s no harm in asking!)

But even if you’ve already signed your lease, now is as good of a time as any to go back through it and make sure your landlord is holding up their end of the bargain.

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What can get me a better personal lease?

Great question! And the answer is almost as long as the state-wide list of stuff up there.

It’s often a matter of getting creative with your asks. There are no guarantees, of course. But there are a bunch of us who’ve saved hundreds (if not thousands) of dollars with gentle negotiation and a little bit of tenant rights research. 

Okay, so beyond my rights, what kinds of rent relief and additional perks are we talking here?

I’m talking about renter perks like

  • Rent reductions
  • Security deposit waivers
  • Full-on lease rewrites
  • And beyond!

But usually only if you ask! Ask, ask, ask!

Changes in your lease are all about doing your research and collecting supporting evidence that you can bring to your landlord or managing company as proof that you should get what you’re asking for.

How to Get Rent Relief Through a Better Lease

I’ve compiled a great list of tried-and-true techniques, as well as a few lesser-talked-about tactics for increasing the value of your rental lease.

  • Keep an eye out for empty units in your building

A friend of mine who lives in a Brooklyn two-bedroom had her roommate move out during the pandemic, and she couldn’t afford the rent on her own. Yet she’d noticed there were multiple open units in her building that hadn’t been rented for months, so she asked if her landlord might be willing to negotiate the price.

He asked what she’d be able to pay, and the two of them ended up settling on a price that was a whopping $1,000 less per month than she and her roommate had previously been paying, all because she’d been a good tenant and he didn’t want to lose her (or her monthly rent check).

  • Scope out any issues with nearby public transportation 

When I moved in with my boyfriend after his lease ran out in 2018, his landlord wanted to increase the rent by a little over $100 per month. But when I pointed out that the subway nearest to our apartment in Astoria was scheduled to be closed for the next few months—meaning a significantly longer walk to the train—he agreed to keep the rent where it was. 

 

“Beyond your official, written protections, there are often goodies within reach for those who pay their rent on time, communicate well with their landlords, and are generally good neighbors.”

 

  • Look for impending demolition or construction notices

Something else I pointed out to our Astoria landlord was that construction was starting on the empty lot next door, which was going to be a noisy nuisance during the day—when I’d be home working as a freelance writer or trying to sleep after a late-night bar shift. Who knows whether the deciding factor was the train or the construction, but either way, he agreed! I’m glad I was ready with both.

  • Get a reduction for a newly-obstructed view

A friend of mine who lived in Washington D.C. watched nearby construction completely change the view from his high-rise apartment. In response, he was able to get his rent decreased by $400 per month just by bringing it up with his landlord! (If something is going to affect the amount your building can rent units to new tenants for, existing tenants should be able to take advantage of that change as well.)

  • renter rightsBe the tenant you wish to see in the world 

Beyond your official, written protections, there are often goodies within reach for those who pay their rent on time, communicate well with their landlords, and are generally good neighbors.

Take a moment to think about what kind of renter you are. There’s no more shame in being a mediocre renter than there is in being a mediocre landlord; it all just comes down to how much more attention you want. If you’re currently getting away with something like an unapproved subletter, a secret pet, tons of wall damage, or late rent payments you haven’t been dinged for yet, you might not want to ask for anything additional for risk of losing the benefits you’re already skating by with. But it’s truly up to you.

  • Google your specific neighborhood’s laws

Depending on your area, you may be covered by local city or even neighborhood laws that offer protections beyond what’s included in that document.

In my city of West Hollywood, for example, we have this great Rent Stabilization Ordinance that ensures that rents can only be increased once annually, and then only by a set amount. Currently, it’s capped at 2.25%, and rent increases of any kind were specifically prohibited during the pandemic. (As were evictions, but that hasn’t stopped my landlord from putting notices on doors and hoping people don’t know their business, so stay alert!)

  • Make the most of a crushing recession (or, y’know, a global pandemic)

A friend who lived in New York City in 2008 balked at a proposed rent increase at the height of the recession. Thinking quickly, she looked up the city’s cost of living increase for the year, which was so low that it didn’t justify the jump in rent. She called her leasing office to plead her case, letting them know she wasn’t able to pay the new number. She was able to talk them out of charging her more—at least until the next year.

  • Come up with your own contract ideas, then give them a shot (seriously)

At the end of the day, a living arrangement is anything that multiple individuals legally agree to. It’s very probable you don’t know what’s going on in the life of a landlord. How much slack they have and what they have to work with will be different for every single person.

Here are other things that might lead your landlord towards granting rent relief

  • Overall rent decreases in your area
  • If they have other problem tenants who are taking up a lot of their resources
  • A change in your own income, like losing your job or suddenly finding yourself without a roommate or partner to split the rent

Basically, if it comes down to a choice between a rent reduction or having to find a new tenant who may or may not be more reliable than you’ve been, you’d be surprised at how many landlords will choose the first option. This is true especially right now, with rent costs plunging on average in the wake of COVID-19.

Remember, we as tenants have more rights and negotiating power than you might realize. Use them.


Illustrations by Kyle Smart
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