Landlords in Chemung County have been struggling for almost a year with tenants who are not paying their rent. Some were effected by severe financial hardship because of the loss of a job, their business was closed down or they were ill and out of work because they, or a family member contracted the disease.
The state enacted an eviction moratorium on March 20, 2020 to ensure no tenant was evicted during the height of the public health emergency.
The problem is, when that moratorium was enacted, a tenant didn’t have to provide the landlord with any proof of loss of incomes. Many, to this day, do not understand that they will be responsible for the back rent once the COVID-19 emergency is over. The Act that was signed into law on December 28th (see link in next paragraph) does require tenants to provide proof and sign a statement in order to be eligible for the moratorium relief. Unfortunately, some landlords cannot get their tenants to signs the statement.
Please read the letter below sent to Legislator Strange and several other elected officials. The writer, representing over 1000 landlords in Chemung County had a verbal discussion with legislator Strange where she described what could be a rental housing crisis come the end of the moratorium when hundreds, if not thousands of evictions could take place if tenants don’t have the money to pay the landlords for back rent and other landlords refuse to rent to them because they stuck their previous landlord for thousands of dollars of back rent.
Letter from Landlords Association:
Landlord Letter
Governor Andrew M. Cuomo signed the COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020 on December 28, 2020. The Act , seen here, (S.9114/A.11181) prevents residential evictions, foreclosure proceedings, credit discrimination and negative credit reporting related to the COVID-19 pandemic. It also extends the Senior Citizens’ Homeowner Exemption and Disabled Homeowner Exemption from 2020 to 2021. The Act adds to New York State’s efforts to protect tenants and homeowners from the economic hardship incurred as a result of the COVID-19 pandemic.
“When the COVID-19 pandemic began, we asked New Yorkers to protect each other by staying at home. As we fight our way through the marathon this pandemic has become, we need to make sure New Yorkers still have homes to provide that protection,” Governor Cuomo said. “This law adds to previous executive orders by protecting the needy and vulnerable who, through no fault of their own, face eviction during an incredibly difficult period for New York. The more support we provide for tenants, mortgagors and seniors, the easier it will be for them to get back on their feet when the pandemic ends. I want to thank the legislature for passing this important protection for New Yorkers all across the state who need a hand. This is the kind of support that helps us stay New York Tough.”
The legislation helps tenants facing eviction and mortgagors facing foreclosure proceedings due the pandemic in five areas:
Residential Evictions
The Act places a moratorium on residential evictions until May 1, 2021 for tenants who have endured COVID-related hardship. Tenants must submit a hardship declaration, or a document explaining the source of the hardship, to prevent evictions. Landlords can evict tenants that are creating safety or health hazards for other tenants, and those tenants who do not submit hardship declarations.
Residential Foreclosure Proceedings
The Act also places a moratorium on residential foreclosure proceedings until May 1, 2021. Homeowners and small landlords who own 10 or fewer residential dwellings can file hardship declarations with their mortgage lender, other foreclosing party or a court that would prevent a foreclosure.
Tax Lien Sales
The Act prevents local governments from engaging in a tax lien sale or a tax foreclosure until at least May 1, 2021. Payments due to the locality are still due.
Credit Discrimination and Negative Credit Reporting
Lending institutions are prohibited from discriminating against a property owner seeking credit because the property owner has been granted a stay of mortgage foreclosure proceedings, tax foreclosure proceedings or tax lien sales. They are also prohibited from discriminating because the owner is in arrears and has filed a hardship declaration with the lender.
Senior Citizens’ Homeowner Exemption and Disabled Homeowner Exemption
Local governments are required to carry over SCHE and DHC exemptions from the 2020 assessment roll to the 2021 assessment roll at the same levels. They are also required to provide renewal applications for anyone who may be eligible for a larger exemption in 2021. Localities can also set procedures by which assessors can require renewal applications from people who the assessors believe may no longer be eligible for an exemption in 2021. Recipients of the exemption do not have to file renewal applications in person.
On September 28, Governor Cuomo announced the State’s Tenant Safe Harbor Act, seen here would be extended and expanded until January 1, 2021 to protect additional residential tenants from eviction if they are suffering financial hardship during the COVID-19 public health emergency. The Executive Order extends the protections of the Tenant Safe Harbor Act to eviction warrants that existed prior to the start of the pandemic, and those who are facing other than nonpayment evictions but suffering the same hardship.
Governor Cuomo first announced a State moratorium on residential and commercial evictions on March 20 to ensure no tenant was evicted during the height of the public health emergency. The Governor signed the Tenant Safe Harbor Act on June 30 which became effective immediately as well as additional legislation providing financial assistance to residential renters and landlords. Additionally, previous Executive Orders have prohibited charges or fees for late rent payments, and tenants facing financial hardship can still use their security deposit as payment and repay their security deposit over time.
“I urge the members of the state legislature to find a way to protect these landlords who may end up with a tremendous amount of lost income because of the moratoriums enacted by Governor Cuomo,” Chemung County Legislator Rodney J. Strange said. “They have to continue to pay mortgages, gas and electric, water, insurance, up keep and property taxes without any income coming in on some of their properties.” Strange continued, “we must also get the word out to these tenants that once the moratorium is over, they will be required to pay all their back rent. This is not a rent forgiveness law.”