As a child, our family received an eviction notice. There is no doubt my parents were overwhelmed and unsure of what the future held for our little family, but they managed to keep their heads above water. We avoided being homeless and you can too. Acting fast and making informed decisions can help you avoid the worst-case scenario. If you’ve found yourself in this predicament, take these five steps to secure your future.
1. Understand Your Eviction Notice and Your Rights
First things first. Read your eviction notice carefully so that you fully understand why you’re being kicked out. Some landlords issue notices for non-payment of rent, while others might claim lease violations. Check your lease agreement and state laws to determine if the eviction is legally valid. Some states require landlords to give tenants a specific notice period before they can take legal action. Here in North Carolina, there are several different kinds of leases and the notice period is different for each. So, familiarize yourself with the laws where you are. If you find that your eviction might be unlawful, you can take steps to stay in your home.
2. Communicate With Your Landlord Immediately
The worst thing you can do when you receive an eviction notice is ignore it. Reach out to your landlord as soon as possible. Sometimes, landlords are open to negotiating payment plans or delaying eviction if you explain your situation. If your issue is non-payment, offer partial rent or ask for an extension to catch up on payments. Any agreement you come to should be put in writing to protect yourself legally.
3. Seek Financial Assistance and Resources
If you’re facing eviction due to financial hardship, look for emergency rental assistance programs. Government aid, nonprofit organizations, and charities often offer funds to help struggling tenants pay rent. You can apply for grants, short-term loans, or housing vouchers through local housing authorities. Some states have eviction prevention programs designed to keep tenants in their homes. Try to get help as soon as you get the notice. Even a little help could prevent you from losing your place to live.
4. Prepare for Your Eviction Court Hearing
Once things have been moved to court, you will need to start preparing your defense. Make sure you have gathered all of the relevant documents you’ll need. This will include things like your lease, rent receipts, and any communication you might have had with your landlord. All of this can help you prove that the eviction is illegal. You can also tap into legal aid organizations that might provide you with free or low-cost representation for your eviction case.
5. Find Temporary Housing Solutions If Needed
Lastly, if you think the eviction is going to be inevitable, get moving and try to find alternative housing before your move-out deadline. You will likely be able to get into another rental before the eviction hits your credit, but you need to act fast. Family or friends might be able to help you out with a temporary spot to live as well. To avoid being homeless in the past, I decided to opt for a week-to-week extended-stay hotel. It gave me time to get back on my feet while still having a place to lay my head at night. If all else fails, many cities also have transitional housing programs and emergency shelters. Having a backup plan in place ensures you won’t be left without a roof over your head.
Stay Proactive and Protect Your Future
Getting an eviction notice is beyond stressful. Once you get it, it’s easy to be nearly paralyzed in fear of what’s next. Taking action can keep you from being homeless. So, make sure you understand your rights and get a plan in place. It’s up to you to make the most out of a bad situation.
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Amanda Blankenship is the Chief Editor for District Media. With a BA in journalism from Wingate University, she frequently writes for a handful of websites and loves to share her own personal finance story with others. When she isn’t typing away at her desk, she enjoys spending time with her daughter, son, husband, and dog. During her free time, you’re likely to find her with her nose in a book, hiking, or playing RPG video games.
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