Help: I Cannot Pay Rent
If you can't pay your rent and do nothing, your landlord can start an eviction process and you may have to leave your home. Before evicting you, your landlord has to ask you to pay the rent and give you at least three days to make the payment. During this time, you can seek help from your landlord and various housing organizations.
Lease
Your lease usually contains details on what happens when you can't pay your rent. Before doing anything, you should review the terms regarding late or missed rent payments. The lease may specify the number of days you can be late on the rent or whether you have to pay any late fees. Reviewing the lease gives you an idea of what will happen and how much time you have.
Negotiations
Because your landlord has the final say on whether you can continue living there, you should first talk to your landlord and explain your situation. If you have been a good tenant, he may agree to work with you, for example by giving you more time to come up with the rent. You may help your case by paying as much of the rent as you can afford. If you reach an agreement with your landlord, get the agreement in writing.
Rental Assistance
If you can't afford your rent, your state or local government may be able to help you. Some government-sponsored housing organizations and programs aim to help with rent and utility payments. You should call your state's housing authority and explain your situation to find out more about any rental housing assistance programs in your area and whether you qualify for any of them.
Housing Counseling
If you need advice on what to do, you can contact housing counselors for help. The U.S. Department of Housing and Urban Development has a list of approved counseling agencies that can provide free or low-cost advice so you don't have to increase your financial burden. If you have to pay any fee, the agencies have to inform you before providing the service.
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