6 Things to Help You Avoid Eviction When You Can’t Pay Rent

Having an eviction on your rental record can be a devastating blow. That’s why if you’re experiencing financial distress, it’s important to explore all available options.

Paying your rent on time is a good way to maintain a good record. Since evictions are a matter of public record and can appear on your credit report, you want to take all the necessary steps to avoid one, if you can. But what do you do when you’re in financial trouble and may not be able to pay rent?

Here are some tips we’ve found from real estate experts and rental sites.

1. Communicate With Your Landlord

This is so important. Most of the time your landlord does not want to evict you. They only start proceedings when they are left with no other choice.

When you start experiencing financial difficulties, this is the time to speak up. Let your landlord know that you are trying to meet your obligations and be clear about what is holding you back. It may not stop them from beginning the eviction process, but at least you’re not going ghost mode on them.

2. Reach out to Rent Assistance Programs

Most states and local regions have rent assistance programs to help those in need. They are, however, usually limited by donations and grants, and when the money runs out, it runs out.

At the first sign of struggle, reach out right away. The sooner you apply, the sooner you can get aid, if it’s available.

3. Ask Friends And/or Family for Help

Money can be a tricky subject among friends and family, but asking them can’t hurt. This should be a last resort, as it can be awkward sometimes.

You never know, though, maybe they will be happy to lend you money. Sometimes, they may notice your struggle and offer help first. Be upfront and make plans to pay the money back, but also be realistic and don’t overpromise. You’ll need time to catch up on your own finances first.

4. Try to Negotiate

If you have an individual landlord, not a company, you might be able to negotiate with them. For example, you can offer to relinquish your security deposit if you gave one, or ask to pay lower rent for a short period until you straighten your finances out.

You do have to be prepared that your landlord will say no. They are running a business after all, but if you’ve paid your rent on time with no issues in the past, they may be open to helping you out, with reduced rent or an agreed-upon move-out date to avoid an eviction.

5. Get an Attorney

It might seem extreme, but obtaining a lawyer could actually benefit you in this circumstance. If you’re worried about money, there are many who work for reduced rates to help those who are struggling.

An attorney can help you navigate the eviction process, if it’s gotten that far, or help you find resources to stave it off. They can also inform you of local laws, which brings us to the next point.

6. Learn Your Local Laws

Every state has eviction laws and it’s important to know your rights. For example, your landlord has to provide notice that they are evicting you, they can’t simply walk in remove your things and call it a day.

Knowing your rights will also help you in the event the proceedings move to court.

Can Your Landlord Evict You?

Yes, but they need a solid reason to do so. They cannot evict you simply because they want to charge you more or they want someone else to move in, for example.

However, each state has different laws on the books as to terms for removal. It’s important to educate yourself so you know what actions you have available to you should you find yourself in this situation.

Do You Have to Go to Court?

Not always. Your landlord does need to file with the courts to legally evict you, but if you agree to move out, you might not need to go to court.

If you are hoping for more time or to avoid the eviction altogether, it might be worth lawyering up and taking the matter before a judge.

What Happens if You Move out Without Notice?

If you move out without notice, your landlord can keep your security deposit and demand more money from you. This could be to cover damages to a rental or to cover loss of income, especially if you still have time left on your lease.

Look at the terms of your lease. There’s likely a provision stating how much notice you have to provide to your landlord before you can legally move out.