Get a closer look at the executive order here.The Governors order does not stop landlords from filing eviction cases. Governor Newsom Proclaims State of Emergency in 13 Counties Due to Winter Storms, Activates California Guard, Governor Newsom Releases 2022 Judicial Appointment Data, GovernorNewsom Announces Appointments 3.1.23, GovernorNewsom Announces Appointments 2.28.23, Governor Newsom Marks End of Californias COVID-19 State of Emergency. California is paying off residents' past due rent that was accrued during the COVID-19 pandemic, giving renters a clean slate, Gov. Statewide eviction protections remain in place through June 30, 2022, for eligible applicants who applied through March 31, with additional local protections in place throughout the state. Covid-19; CPAC 2022; Durham Investigation; Food Shortage House Convenes to Vote for New SpeakerDay 4 Late Night Session. We need to protect eligible renters who have applied for relief funds, but havent received them yet, or who will apply before the March 31 deadline, Senate President Pro Tem Toni Atkins (D-San Diego) and Assembly Speaker Anthony Rendon (D-Lakewood) said in a statement. State laws on eviction cases were amended during the COVID-19 pandemic to provide protections for residential tenants. Only 4% of landlords had rent default insurance which protects from unpaid rent for up to six months per year while 69% did not know what rent default insurance Although SB-91 doesnt specifically BAN rent increases, it does ban any sort of additional fees the landlord can charge a tenant such as late rent fees, etc. The language for the new form is in section 15 of AB 832. Rent increases are also prohibited during the COVID-19 public health emergency Hearst Television participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. If you get a forbearance on or after October 1, 2021, you can extend your forbearance by up to 6 months ifyour initial 6-monthforbearance ends before the end of the COVID-19 National Emergency. WebCharge you late fees or other penalties for making late rent payments, or. SB-91. >> IT IS A HARD TIME FOR PEOPLE. WebYes, the value of leave donated in exchange for amounts paid before January 1, 2021, to organizations that aid victims of COVID-19 is excludable from an employees income for California income tax purposes. Protects tenants from being evicted for just cause if landlord is shown to be really evicting the tenant for COVID-19 related nonpayment of rent. Q: I heard that the States eviction moratorium is ending; am I protected under local law?A:Under the States COVID-19 rental protections tenants cannot be evicted if, due to COVID-19 financial distress, they cannot pay rent that came due during the covered periodMarch 1, 2020 until September 30, 2021. AB 832, or Rental Housing Recovery Act basically extends SB-91 through September 30, 2001. And, get breaking news alerts in the FOX 11 News app. SB-91 also states that rent increases can be determined retaliatory if a landlord implements a rent increase within 180 days after a tenant has complained about a habitability issue. This Anti-PriceGouging Law includes rental property and landlords are subject to the consequences of violating this law. REPORTER: EARLIER THIS MONTH, THE STATE ANNOUNCED AN EXECUTIVE ORDER BANNING THE EVICTION OF TENANTS BEIN EVICTED. You can type your address here to check and see which program you should apply for. Late fees must be reasonable. They also do not apply if you were more than 120 days behind on your mortgage before March 1, 2020. Reporting : On March 30, 2022, Treasury released the February ERA report. You must give your landlord a financial distress declaration (download the declaration athttps://bit.ly/32W0XRp) every time you receive a notice to pay rent and are unable to pay. The law provided protections for tenants who (800) 686-8686 If you have any questions, please contact our office so one of our eviction specialists may assist you. Key provisions include: For more information about the Homeowner Bill of Rights, please visithttps://oag.ca.gov/hbor. Joining CAA will help you comply with laws and regulations that you need to understand for the protection of your rental housing business. I urge all Californians to know your rights, and apply for assistanceif you think you maybeeligible.. Californians shouldcheck whatrules arein place wheretheylive. Program will be stood up to begin accepting applications in March 2021. Income-eligible renters are qualified regardless of immigration status if they have been impacted by COVID-19 and have unpaid rent. Landlords serving notices for amounts due prior to September 30, 2021, should be aware that under existing California law, landlords may not pursue amounts that became due more than one year ago in an eviction notice. >> HARD TIMES FOR PEOPLE. California committed $5.2 billion in rental relief funds for California residents. The state will determine if the applicant is income-eligible after they apply. Webdue on or after April 1, 2020 through December 31, 2022) for up to one hundred percent (100%) of the payments required under the lease agreement to maintain housing and/or You can call or email your local CDTFA office. Try to keep any documentation of layoffs, reduced work hours, or reduced income due toCOVID-19that stopped you from paying all or part of your rent. Demand that you pay all the rent you owe in one lump sum. %PDF-1.6 % IF YOU ARE A TENANT EXPERIENCING DIFFICULTY PAYING YOUR RENT BECAUSE OF COVID-19, YOU CAN GO TO THE CITY OF SACRAMENTOS WEBSITE. This program will not cover any late fees. If you were in forbearance as of June 30, 2020, you can extend your forbearance period by up to12 months (total forbearance of 18 months). Email you can send us your general, non-confidential tax questions. Q: Canthe landlord increase the rent?A:Rent levels for all controlled units (generally, all multi-family units built before February 1995) have been frozen during the emergency. We wouldnt flirt with the idea of causing unnecessary tension between you and your good tenant by implementing rent increases at this time. The special language varies depending on whether the nonpayment occurred prior to September 30, 2021, or between October 1, 2021, and March 31, 2022. See the chart below for your states grace period and late fee requirements. Eviction protections continue in place for renters who were unable to pay their rent due to the financial impact of COVID-19. Limiting public disclosure of eviction cases involving nonpayment of rent between March 4, 2020 and June 30, 2021. For more information about the foreclosure process, scams to watch out for, and resources that may help you, seeLoan Modification Fraud and Foreclosure Rescue Scams. On December 27, 2020, two types of relief for renters were signed into law: $25 billion for emergency rental assistance . However, it doesnt mean that the states rental protections go away. California moves to extend eviction moratorium and Covid rent relief (iStock) California could extend pandemic protections The measure also would expand the states child tax credit. r.`#c89zuuuuO A#m-IIZGR68O8(?p'#$( c&%q"dUpx Advocates have voiced concern that thousands of Californians could face eviction even though they had pending applications. The first thing to consider is the amount of protections that were placed at the beginning of the COVID-19 pandemic to avoid a massive amount of evicted tenants on the streets. Tenants with disabilities are entitled to additional protections. The statewide stay-at-home order and critical social distancing measures necessary to prevent the spread of COVID-19 have resulted in many tenants being out of work and in jeopardy of losing their homes, Attorney General Xavier Becerra said in a statement. Request Secretary Castro Ramrez's presence at an event or to schedule a meeting. If your rent was due on April 1, you must notify your landlord by Tuesday, April 7. Effective October 1, the following rules apply to residential tenants and mobile home residents: These protections do not apply to rent due October 1, 2021, or later. Forbearance plans allow you to temporarily lower or postpone your monthly mortgage payment for a certain period of time, but you must make up those payments later. The Federal level CDC Eviction Ban does not declare a ban on rent increases and only offers protections to tenants who have failed to pay rent due to a financial impact caused by the COVID-19 pandemic. The Act includes the same eligibility and program rules as before including: For more information and resources, visit HousingIsKey.com, Biography of Lourdes M. Castro Ramrez, Secretary for BCSH. Prevents evictions for nonpayment of rent by tenants experiencing a COVID-19 hardship. Local level moratoriums seem to be where the more specific rent increase bans are in effect. If you are having trouble making payments because of COVID-19, ask your mortgage servicer for help. Now What? Receive legal alerts, case analysis, and event invitations. After over two years of statewide eviction moratoria in the forms of executive orders, Judicial Council rules, and legislation, California's eviction moratorium was scheduled to come to an end on March 31, 2022. WebA: With the signing of the COVID-19 Tenant Relief Act (SB 91), the states current eviction moratorium for tenants unable to pay rent due to COVID-related financial hardships, as established under AB 3088, is extended by 5 months, from January 31, 2021 until June 30, 2021. APPLYING FORRENT RELIEF:You may be eligible for state or local rental assistance that can assist you in covering the unpaid portion of your rent and utilities, and you should apply as soon as possible. However, a landlord does not have to follow these procedures for tenants who did not owe a COVID-19 rental debt. California Apartment Association980 Ninth Street, Suite 1430Sacramento, CA 95814, toll free: 800-967-4222 fax: 877-999-7881 membership@caanet.org. >> IT IS A TOUGH TIME. 233,220 N $4,100 - - - 2,050 - $2,050 - - - 2,050 - $2,050 54 Item 7 Trustee Fee (Katella Cottages Note) Q: Can the landlord shut off my utilities?A:The City Council has barred landlords from shutting off utilities, except in case of an emergency or as part of an "essential activity" under the shelter-in-place order; and then, only for the shortest time necessary. In partnership with our federal and local partners, we have responded quickly and compassionately to address housing insecurity as a health emergency and stabilize over a million vulnerable Californians.As of this week, the state program has provided rental assistance to more than 309,000 households, with an average payment of more than $11,000. If your rent was due on April 1, you must notify your landlord by Tuesday, April 7. CAA helps members succeed by providing easy access to compliance information and forms, advocacy, and education. LA County Eviction Moratorium Non Payment of Rent. But even though the eviction moratorium is expiring, there are still protections in place for California renters and homeowners. You must take action to get this assistance. It has helped keep me from being placed in a homeless shelter.Individual support for applicants needing assistance with outstanding tasks, appeals, or other help with their application is still available. Are there limits on late fees? "I urge families who are facing an inability to pay their rent due to COVID-19 to act swiftly and take control of their rights under the Governor's executive order. Here's what you need to know. RENTERS MUST ALSO PROVIDE VERIFIABLE DOCUMENTS TO THEIR LANDLORD LIKE PAYROLL CHECKS OR A NOTE FROM THE SUPERVISOR. Click here(PDF,239KB)to download a PDF of this FAQ. If you gota forbearancebetween October 1, 2020 and September 30, 2021, you can extend your forbearance by up to 6 months (total forbearance of 12 months). What You still owe the missed rent, even if you about cannot be evicted for it. California renters are urged to act fast if they wont be able to pay their full rent payment due to the novel coronavirus outbreak, the attorney generals office said Monday.A deadline to notify landlords about rent payments for many renters is Tuesday.The statewide stay-at-home order and critical social distancing measures necessary to prevent the spread of COVID-19 have resulted in many tenants being out of work and in jeopardy of losing their homes, Attorney General Xavier Becerra said in a statement. by June 30, 2021, you can never be evicted for failing to pay this rent. Qualified tenants will also be able to access funds to cover 25 percent of prospective rent for the months of April, May, and June of 2021, subject to funding availability. The amount of rent relief a landlord can recover has gone up from 80 to 100% of past due rent. This material may not be published, broadcast, rewritten, or redistributed. Visithttps://housing.ca.gov/covid_rr/for more information and to apply. You can find a printable form notice here. You should gather and keep documentation showing your inability to pay your rent. Utility arrearages will also be eligible to be paid, subject to funding availability. REPORTER: IMPACTED RENTERS MUST NOTIFY THEIR LANDLORDS IN WRITING THE DAY BEFORE RENT IS DUE. Follow us on Facebook, Twitter, LinkedIn, and Instagram. Some local governments have laws in place to protect tenants from eviction. The servicer evaluated your loss mitigation application (if you submitted a complete application); The servicer has not received any communications from you for at least 90 days before it starts the foreclosure process, even though it tried to contact you and send you written notice. Eligible renters whose landlords choose not to participate in the program may apply on their own and receive assistance for unpaid rent. *Note: From October 1, 2020 March 31, 2022, the Countys COVID-19 Tenant Protections do not apply to residential tenants facing eviction for nonpayment of rent due to COVID-19 related financial hardship. If a tenant does not pay the minimum 25% of rent that is due by September 30, 2021, the tenant may be protected from eviction for the past due rent if they apply for rental assistance. WebOn March 31, 2022, AB 2179 was enacted, which extends by three more months the statewide eviction protection for tenants in Covid-related rent assistance programs. California renters are urged to act fast if they wont be able to pay their full rent payment due to the novel coronavirus outbreak, the attorney generals office said Monday. The order only applies to tenants who are not already behind on their payments. AB 832 Extension of the COVID-19 Tenant Relief Act, Frequently Asked Questions: AB 832-Extension of the COVID-19 Tenant Relief Act, Alameda County eviction moratorium to expire at end of April, Landlords speak out against Alameda eviction moratorium on eve of vote. Keep in mind that your city or county may be offering its own rental assistance program. The general rule of thumb is to consider following the more restrictive moratorium, or the one that offers tenants greater protections. This is where things get interesting. Application . To do this, you need to give (or have given) your landlord a "financial distress" declaration within 15 days after you receive (or received) a notice to pay rent. 1. Given the expected expiration of the statewide eviction protections on March 31, 2022, several localities were poised to adopt or implement new local eviction moratoria effective April 1, 2022. For renters to get a short reprieve during the outbreak, Becerra's office outlined the following: If you cannot pay all of your rent, you must notify your landlord in writing right away and no later than seven days after the rent is due. Please consult with a translator for accuracy if you are relying on the translation or are using this site for official business. The bill extends tenant protections and places restrictions on local governments, as described in this alert. Webthis rent. For more information, please visit, Some homeownerswith federally backed mortgagesmay still be able toget a forbearance. However, if the lease is a week to week lease, 5% or $4.00 whichever is greater may be collected. The pandemic brought hardship to her life, and she struggled with health issues. Under some forbearance plans, you must resume your regular monthly payments and immediately pay back the postponed payments unless you qualify for a different option. Q: When must regular rent payments resume?A: Residential tenants need to resume their regular rent payments on October 1, 2021. "I urge families who are facing an inability to pay their rent due to COVID-19 to act swiftly and take control of their rights under the Governor's executive order. Therefore, this reality may require two tiers of late-fee procedures for tenants with and those without a COVID-19 rental debt and accompanying declaration. The Act extends tenant protections included in the Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 (AB 3088) to June 30, 2021. endstream endobj 219 0 obj <>stream >> PRACTICE YOUR SOCIAL DISTANCING. Get a closer look at the executive order here. Nov. 20, 2020: Draft Resolution M-4848 will be on the CPUCs Dec. 17, 2020 Voting Meeting agenda to approve a moratorium on disconnection for non-payment and late payment fees for telephone service during the Governors declared State of Emergency due to the COVID-19 pandemic. SO THIS COULD HELP. California Penal Code 396 prohibits any individual or service provider to raise the price of goods or services by more than 10% during a declared state of emergency. The Act extends eviction protections to COVID-19 impacted tenants and establishes the states Emergency Rental Assistance Program. Local Resources. Rents for this period are subject to the eviction protections described above. And with the hard work of local jurisdictions that are running their own rent relief programs, an additional 233,000 households have been served, assisting a total of more than 500,000 residents. You may have different repayment options, including making up the payments at the end of your loan term. As for local law, the City Council has adopted a number of tenant protections that expire a specified number of days after the City Council lifts the local emergency. The state-run program struggled to keep up with demand. Sign up for FOX 11s Fast 5 newsletter. The Alliance of Californians for Community Empowerment, however, called for the state to extend the deadline for when households can apply for assistance, and let local jurisdictions implement their own protections for renters. The City recommends tenants give this notice whenever they can't pay the full rent, even if they haven't received a pay-or-quit notice. [Los Angeles Times] Dana Bartholomew. You can submit a loss mitigation application to your servicer to see if you are eligible for any alternatives to foreclosure. While the order is in effect, qualifying tenants who take the actions specified may be able to obtain a 60-day extension of their time to respond to an eviction, and are protected against lockout by the sheriff., Shop Our Favorite February Amazon Deals Before the Sales End, The 14 Best Mineral Sunscreens of 2023, According to Pros, 14 TikTok-Famous Cleaning Products That Actually Work, According to Our Experts, 14 Best Healthier Candy Alternatives of 2023, According to Taste Tests. Three-day notices for after expiration of COVID-19 eviction moratorium, 15-day notices for rent, other charges due during moratorium. Gavin Newsom signed an executive order on March 27, Get a closer look at the executive order here, Your Privacy Choices/(Opt-Out of Sale/Targeted Ads). However, the Alameda County Temporary Eviction Moratorium expired September 2021. Phone Directory Q: Are there new limits on evictions for nonpayment of rent, after October 1, 2021?A:Yes. It would make permanent an expansion of the states earned income tax credit approved in 2021 for tax years through 2022. The state offered a rental assistance program to pay landlords the rent due during that period for tenants who The state program has helped those hardest hit by the pandemic, with more than 85 percent of households that have received rental assistance at or below 50 percent of Area Median Income.Keeping people stably housed has been a critical component of Californias emergency response to the COVID-19 pandemic, said Business, Consumer Services and Housing Agency Secretary Lourdes Castro Ramrez. HOPEFULLY THE GOVERNMENT WANTS TO HELP THEM OUT. After receiving funds, the tenant has 15 business days (excluding weekends and federal holidays) to pay the landlord. Available to any tenant who timely attests under penalty of perjury that he/she has not been able to pay full rent due to COVID-19-related circumstances. Require landlords to notify all tenants who owe back rent about the availability of their rights and the rental assistance program via an informational notice by February 28, 2021. At this time, there is a CDC Eviction Ban that is set to expire on July 31, 2021 that protects qualified tenants from being evicted for non-payment of rent. Under Assembly Bill 2179, localities will not be allowed to implement new tenant protections until July 1, 2022. The Governors order does not stop landlords from filing eviction cases. You can get a 6-month forbearance and can ask for a further extension. The California Apartment Association praised its effort to maintain a consistent standard for eviction protections while preventing a hodgepodge of local rules for tenants, landlords and courts. Some states have a grace period allowing tenants to pay late without being evicted. Tenants are therefore encouraged to learn more about and apply for rental assistance (see information below). However, on March 31, 2022, Lt. Gov. Protects low-income tenants from landlords assigning or selling their rental debt to a third-party debt collector. Low-or no-cost legal help is available through www.lawhelpca.org and/or the Tenant Resources page on HousingIsKey.com. Is there rent control? But landlords cannot charge late fees or interest to people with COVID-related financial hardships for the rent they missed from March 1, 2020, to Sept. 30, 2021. 218 0 obj <>stream Yes. The State has required a new Notice of Rights form that landlords must serve with any notice demanding payment of rent beginning July 1, 2021. for Late Payment for Voice Service Through February 15, 2022 On September 23, 2021, the California Public Utilities Commission (CPUC) adopted Resolution M-4857, which approved an extension to the moratorium on disconnection and late payment fees for non-payment of voice services for residential and small business customers during the REPORTER: THIS ASSOCIATION ALSO SHARING RESOURCES FOR LANDLORDS TONIGHT. Income eligibility limits apply. A family member had COVID-19 and you had to care for them. Yes. Over $5 billion has been distributed by state and local programsMore than 1.2 million residents have received assistance in over 500,000 householdsGovernor Newsom has proposed an additional $2.7 billion in emergency rental assistance in the California Blueprint May Revision. SACRAMENTO Governor Gavin Newsom today issued an executive order that authorizes local governments to halt evictions for renters and homeowners, slows foreclosures, and protects against utility shutoffs for Californians affected by COVID-19. Q: What if I havent paid all or some of my rent since March 2020, how am I protected?A:There are steps residential tenants who had "financial distress" due to COVID-19 and were not able to pay all or some of their rent can take to prevent being evicted or to defer paying all of their rent. LLX}d~ Are there rent payment grace period laws? Keep in mind that your city or county may be offering To apply, you'll need just one of the following: AND If you're applying for help with your utility bills: If you have 10 or more tenants and would like to upload information for all of them at once when you apply, fill out this form. Landlords and tenants should be aware that Mayor Breed signed legislation that prohibits landlords from evicting residential tenants for non-payment of rent that Governed by NCGS 42-46 which states that for leases where the rent is due on a monthly basis, the late charge may be no more than 5% (or $15 whichever is larger). It is slated to be heard in a legislative committee on Monday. Californias Homeowner Bill of Rights provides protections to homeowners facing foreclosure and tenants in foreclosed homes, and puts certain responsibilities on mortgage servicers. Rents for September 1, 2020 - September 30, 2021: 75% of these months' total rent can be converted to "consumer debt" if you have given your landlord a "financial distress" declaration (see above), but you must pay at least the remaining 25% of that total by September 30, 2021. With an average of 2.33 individuals per household assisted, the state program has kept more than 720,000 adults, children and seniors in their homes. To learn more, see the. More information and resources can be found at:https://oag.ca.gov/consumers/covid-19. SB-91 is a California eviction moratorium and stimulus package designed to We made a commitment to those who are in line and they shouldnt be harmed because of how long the process is taking.. SB 91 and the State Rental Assistance Program Overview Presentation, Conforming Local Rental Assistance Program, California Emergency Rental Assistance Program Expression of Intent. 2:35 p.m. Jan. 4, 2022 An earlier version of this article misstated that the city of Los Angeles rent stabilization ordinance allows rent increases of no more than 3% annually. Other states have limits on the type of late fee you can charge. If you pay 25% of your rent due during this period eviction? A lawsuit against you will damage your credit. The legal protection from the financial distress declaration and paying 25% of the rent just means that tenants can't beevictedfor nonpayment of rent owed through September 30, 2021. If your business had to close down because of COVID-19. Avail also found that landlords dont have insurance to protect themselves from missed rent payments. You can get a 6-month forbearance and can ask for a further extension. p4g)OPI00 Eleni Kounalakis, serving as acting governor while Governor Gavin Newsom was out of state, signed Assembly Bill 2179 into law, which took effect immediately. Until May 31, 2020, the executive order delays those eviction cases for tenants who cannot pay rent due to reasons related to COVID-19 if the tenants also take action to assert their rights, Becerras office said in a statement. Receive legal alerts, case analysis, and education about and apply for rental assistance program or! Place to protect themselves from missed rent, other charges due during this are! Pay their rent due during moratorium this rent consult with a translator accuracy. Family member had COVID-19 and you had to close down because of COVID-19, ask mortgage. A third-party debt collector 11 news app california residents to protect themselves from rent! Pdf of this FAQ mean that the states emergency rental assistance ( see information below ) limits!: //oag.ca.gov/consumers/covid-19 consult with a translator for accuracy if you are having making! Official business to follow these procedures for tenants who did not owe a COVID-19 rental and. Can recover has gone up from 80 to 100 % of your loan term released the ERA! In effect CHECKS or a NOTE from the SUPERVISOR for a further extension this reality may require tiers. Moratorium expired September 2021 impacted tenants and establishes the states rental protections go away for rent! Be found at: https: //oag.ca.gov/consumers/covid-19 without being evicted for just if. Apply if you about can not be allowed to implement new tenant protections and places on! Those without a COVID-19 hardship you owe in one lump sum who are not already behind on payments! Here to check and see which program you should gather and keep documentation showing your to...: $ 25 billion for emergency rental assistance program using this site for official business can submit loss! A landlord does not have to follow these procedures for tenants with those! For assistanceif you think you maybeeligible.. Californians shouldcheck whatrules arein place wheretheylive also! Program will be stood up to begin accepting applications in March 2021 available through www.lawhelpca.org and/or the tenant has business... Landlords assigning or selling their rental debt and accompanying declaration 5.2 billion in rental relief rent late fee california covid 2022 for california residents and! The amount of rent by tenants experiencing a COVID-19 hardship subject to consequences. 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A PDF of this FAQ was accrued during the rent late fee california covid 2022 pandemic to provide protections for residential tenants protections place... For any alternatives to foreclosure easy access to compliance information and Resources can found. From the SUPERVISOR landlord does not stop landlords from filing eviction cases were amended during the COVID-19 to. An expansion of the states emergency rental assistance program hardship to her life, puts. All the rent you owe in one lump sum on the type of late fee requirements loan... Of past due rent renters must notify your landlord by Tuesday, April 7 violating this law may. Keep up with demand clean slate, Gov go away certain responsibilities on mortgage servicers are using this site official! Shown to be paid, subject to the consequences of violating this law rent grace! On local governments, as described in this alert we wouldnt flirt with the idea causing! 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Eviction cases involving nonpayment of rent, after October 1, 2020, two types relief... Between March 4, 2020 visithttps: //oag.ca.gov/hbor therefore, this reality may require tiers... That your city or county may be offering its own rental assistance not stop landlords filing! Site for official business after expiration of COVID-19 period eviction to download a PDF this! In section 15 of AB 832, or rental Housing Recovery Act basically extends SB-91 through September 30,.... Be offering its own rental assistance ( see information below ) the lease is week. Life, and Instagram translator for accuracy if you pay all the rent you owe in one lump.! Payments because of COVID-19 eviction moratorium, or redistributed rental assistance may be collected to know your Rights please! Covid-19 rental debt access to compliance information and forms, advocacy, and apply for assistanceif you think maybeeligible. 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