SPRINGFIELD, Mo. (KY3) – Days after the federal moratorium on evictions ended, the federal government issued a new moratorium on evictions.
The new moratorium would last until October 3, preventing more tenants from being evicted. It would temporarily stop evictions in counties with “high levels” of transmission of the virus.
Consumer credit counseling services credit counselor Mark Stallings says your eviction will have a long-term effect on you financially.
âIt could cost you a lot of time, a lot of money and a lot of effort to get over it and it won’t be a quick recovery,â Stallings said.
Stallings says it also impacts your ability to find housing again in the future.
âThis is going to make it more difficult for owners to be able to hire you out,â Stallings says. âThey will hire you, but it might cost you extra money. They might charge you a first and last month’s rent, a larger deposit.
Stallings says an eviction will stay on your file for seven years, lowering your credit score. Stallings says that your credit score has an impact on almost every aspect of your life.
âIt’s used to figure out how much you pay for auto insurance, home insurance, tenant insurance, how much a loan will cost you, whether or not you can get a loan,” says Stallings.
The moratorium on evictions has prevented landlords from dismissing tenants for not being able to pay their rent during the pandemic. While finalized plans are on hold for new federal guidelines on another moratorium, Stallings expects an increase in evictions. However, Stallings says it is important to take steps to prevent tenants from going this far and the first is to talk to your landlord.
âIt’s important that you keep the line of communication open so they know you’re not just trying to burn them with their money,â Stallings says. âThey also struggle this time of year.
The Consumer Credit Advisory Service offers to support tenants in their request for state aid for housing assistance program. This program offers up to 12 months of past unpaid rent and three months of future rent.
“To give people the chance to recover from a very bad situation which has hit not only our country but also the whole world,” Stallings said.
Stallings says there is an income requirement to be eligible for the program. Your estimated household income must be equal to or less than 80% of the region’s median income (AMI). Stallings says that in Greene County, the MAI for a one-person household is $ 31,600.
Stallings says anyone with questions should call the office to get on the waitlist in order to receive help with the SAFHR app. This number is 417-889-7474.
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