Getting evicted from your home is a sad reality that many people have to face. The reasons vary, the most common being that people lack the money to pay for rent. This situation usually comes about because they used their rent money to pay off other emergency expenses, like medical bills. Workplace accidents are the most common for this type of emergency medical expense. Now they find themselves strapped for extra cash and scrabbling to find a way to come up with the money to make those rental payments and avoid late fees.
Car accidents are also a widespread problem that can force renters to find themselves needing an emergency loan for rent. Without a reliable means of transportation, people can't get to and from work. People living in more rural or suburban areas have a harder time catching a bus or using a cab. That could be because public transport isn't available in that particular area, and the cost of a taxi is just as high, if not more than that of a car.
If your insurance company has provided you with enough money to get a car of some type, then a mayor crisis is avoided. However, if the accident is your fault or the vehicle is totaled, you could be facing a severe problem. You might find yourself needing an emergency eviction loan to pay for a car, in addition to all other living expenses. Losing your job can also make it difficult to pay rent regularly.
It's a sad reality that many people have multiple jobs to make ends meet. If your partner loses their employment, you will be the sole breadwinner of the household. Most times, your income isn't enough. This mishap can mean that you might need help paying rent until your situation improves, or you risk getting evicted.
What are the steps to getting evicted?
The first step occurs when your landlord decides to terminate your tenancy. This termination has to take place before they can evict you. They do this via a written notice they are legally obliged to provide you. Though laws can vary from state to state, they usually stipulate that you have 90 days to pay the outstanding balance or have to move out. This notice can provide an opportunity to catch up on rent.
If you can catch up on any rent that you owe, you won't have to leave. Your landlord will cancel the eviction notice, and all is well. State laws are incredibly strict, and landlords must fully adhere to them. If you can't come up with the funds to pay rent, your landlord can file an eviction lawsuit. Your landlord must serve you with the eviction papers following state laws stringently.
The second step in the eviction process is the notice to quit. Your landlord can leave you a note to "quit" or to move out for any of the following reasons:
Pay rent or quit
In most states in the US, this means that you have up to three or five days to pay your outstanding balances or leave the premises.
Cure or quit
If you violate your rental agreement for any reason in particular, then you have a certain amount of time to "cure" the violation or move on. This amount of time is usually around 5 to 7 days.
Your landlord won't even give you a week to leave. You must vacate the property immediately. This sort of eviction can happen if you've repeatedly violated your rental agreement. This violation could be by doing something illegal (drugs,) failing to pay rent frequently, or damage to the property.
If you've both failed to obtain a loan for rent or fixed the issue that is getting you evicted, then your landlord must serve you with the proper papers at the appropriate time. When the adequate amount of time has passed, your landlord will file an eviction lawsuit in court. These documents will provide you with all the necessary information, like the time and date that you need to present yourself in court. If you miss the court date, the judge could rule against you.
However, you could have the judgment set aside if you can prove any one of the following things. One, if your landlord evicted you in retaliation for demanding necessary repairs on the unit, or by not maintaining the property in reasonable living conditions. Another reason is if they improperly filed or served you with eviction papers. It's essential to ask a lawyer first for legal counsel, so you are well equipped for your day in court.
If that didn't work, we've reached the final step, which isn't pretty. You've probably witnessed this unsavory sight of people's belongings left out on the yard or sidewalk, waiting to get picked up by their owners. This practice is highly illegal in most states, so be aware of that. Instead of this, your landlord should provide a copy of the key to the local sheriff's office. Following this, you have a specified amount of time to move your belongings elsewhere, be it to a storage facility or wherever you are currently living. Once that's done, the local sheriff's office will escort you off the premises.
If you are in the eviction process, there are specific events that should be taking place. The person to escort you off the premises should be the local sheriff or marshal. Your landlord has no right to remove you from the property on their own. If you would like to avoid this interaction with the sheriff, you need to vacate the property before the date arrives.
Once evicted, that information may pop up on your credit report and affect your score negatively. It can also show up on databases that landlords use to look up the ratings of potential tenants. It's of vital importance to maintain all of the documents from that legal dispute. They can be used to argue your case the next time you apply for housing and explain what happened. You can also use this to let your new landlord know why it won't happen again.
Receiving an eviction notice is no fun. It can also be a trying and scary time for even the most hardened individuals. Most people aren't familiar with the laws surrounding evictions and aren't aware of all their rights. It's essential to reach out to either a private attorney or organization to have them help you understand what your rights are. If it comes to the event that you do get evicted, it’s not the end of the world. You can still move forward with your life.
This experience sounds like an awful one to deal with at any stage in life. Lucky for you, there emergency eviction loans, also known as eviction prevention loans, to help you avoid this entire traumatic ordeal and be able to stay in your home.
You may be asking yourself; what is an emergency loan for rent payment? An emergency rent loan is typically a one-time loan to help cover those types of expenses. If you find yourself in this type of quandary, you need those funds quickly. Here at GetCash, we know why being able to get a quick turnaround is vital.
If you are facing this unsavory scenario, there is a solution for eviction prevention. Here at GetCash, we understand how to to help renters who have received an eviction notice, who also have bad credit. Our vast network of lenders is here to help you with emergency loans to stop an eviction. To be able to solicit their services, you should have the following documents available:
A valid Identification: This can be your driver's license or another form of government-issued ID.
Proof of Income: These can be a W2, your most recent tax records, or other documents that prove your source or sources of income.
Bank Statement: These are used to demonstrate the amount of money you have available.
Copy of the Lease: This document is to show you are a tenant and have an active lease.
Copy of your Eviction Notice: If your landlord has already served you with an eviction notice, you should provide a copy of this notice, along with your other documents.
Information on Financial Hardship: It's crucial to bring any documents that provide evidence of what expenses and situations have contributed to placing you in financial hardship. These can be medical bills or a job termination notice.
How can GetCash help?
There are many places you could go for immediate help regarding rent payments. However, if your credit score is less than ideal, have a low-income level, or your landlord has begun the eviction process, your options may be limited. Here at GetCash, we make it easy to apply with our simple and easy to fill out online form. Once you fill in the form, you can be connected directly with a lender. They will then determine the loan amount, rates, and terms that you qualify. If you're approved, the lender will initiate the loan application process.
Check out our online form and see how you can use eviction loans to pay for rent!
This is not legal, financial or professional advice. Please consult a legal, financial or professional advisor for your specific situation.
*federalreserve.gov data for Q3 2019