Eviction and Foreclosure Relief

Facing eviction or foreclosure? 

Apply for a $1,000 grant from the Union Members who are facing eviction or foreclosure, can now apply for a $1,000 grant from our Union’s Hotel Employees Lend a Hand Program (“H.E.L.P.”) With emergency housing protections coming to an end, the Union has put aside limited funds from our treasury to assist members who are facing dire housing emergencies. As you know, the Union has not required laid off members to pay dues during this crisis and, as a result, the pandemic has placed great strain on our emergency reserves. Therefore, emergency funds are very limited. We ask that you please do not apply unless you are facing an extreme emergency. You can apply online at hotelworkers.org/help or in-person, Monday to Friday from 9:00 AM to 1:00 PM at 709 8th Avenue on the 2nd Floor. You must include a copy of your final notice of eviction, eviction warrant, or notice of foreclosure as well as the information for your landlord/creditor to submit your application. Completed applications will be approved on a first-come, first-serve basis. If approved, a one-time $1,000 payment will be paid directly to your landlord/creditor. We will continue to help HTC-represented workers who find themselves in extreme emergencies until the funds run out. If you have questions about this program, please call (212) 245-8100 and ask to speak to Communications Assistant Yasmine Abi-Hanna, extension 2298.

Are there any protections against eviction?

At this time, there is no national eviction moratorium.

New York and New Jersey have implemented some eviction protections in each state. In addition, New York, New Jersey, Connecticut and Pennsylvania all offer rental assistance programs, read more below to apply for rental assistance in your state.

Additional eviction protections for New Jersey and New York Residents:

In addition to the CDC’s eviction moratorium, New York and New Jersey have implemented additional protections in their state.

New York State’s eviction and foreclosure moratorium

On September 2, 2021, New York State extended its eviction and foreclosure protections through January 15, 2022. New York tenants and homeowners who are experiencing financial hardship due to the COVID-19 pandemic can submit a Standardized Hardship Declaration Form to their landlord (tenants), mortgage lender or local assessor (homeowners), or in court to prevent or halt an eviction proceeding against them. Landlords who believe their tenant has not suffered a QUALIFYING financial hardship can request a hearing in court.

New York tenants and homeowners who are experiencing financial hardship due to the COVID-19 pandemic are allowed to argue in court that suffering these hardships should protect them from eviction. If successful, this could prevent or halt an eviction proceeding.

Additionally, the Tenant Safe Harbor Act prevents courts from evicting tenants who have experienced financial hardship as a result of the COVID-19 pandemic for non-payment of rent that accrues or becomes accrued during the COVID-19 covered period, from March 7, 2020 through June 24, 2021.

Tenants who apply for New York’s Emergency Rental Assistance program cannot be evicted because their lease has expired or because they did not pay rent during the COVID-19 pandemic. Upon applying, tenants will receive a notice with an application number that can be shown to the landlord and to the court, if the landlord starts eviction proceedings against the tenant. To apply, click here

New Jersey protections from evictions

On August 4, 2021, Governor Murphy extended the state’s eviction and foreclosure protections for residents. The eviction moratorium will continue through August 31st for households with incomes below 120% of the Area Median Income and through December 31st for households with incomes below 80% of the Area Median Income.

To be covered under this new bill, tenants must complete this form to self-certify their income and provide a copy to their landlord and if applicable, to the court. Tenants earning below 80% of the AMI must apply for state or local rental assistance.

Additional protections provided by New Jersey include:

  • Court records pertaining to non-payment of rent during the public health emergency must remain confidential.
  • Landlords receiving rental assistance must waive any late fees accrued by tenants during the special protections period.
  • Landlords cannot report delayed rent to crediting agencies and cannot sell the debt.
  • Landlords cannot disclose non-payment of rent to others
  • Prospective landlords may not refuse to rent to a person who wasn’t able to pay rent during the covered period of March 1, 2020 through August 31, 2021 for that reason.

Landlord/tenant trials are currently on hold with the exception of trials held in the event of the death of a tenant or an emergency such as health and safety concerns.

Do any protections exist for homeowners?

Homeowners can request an initial forbearance for a mortgage backed by HUD/FHA, USDA or VA until September 30, 2021.

For mortgages backed by Freddie Mac or Fannie Mae there is currently no deadline to request an initial forbearance.

New Jersey foreclosure moratorium

New Jersey’s moratorium on home foreclosures ends on November 15, 2021. However, the Office of Foreclosure has resumed normal operations and foreclosure documents can be filed.

Additional resources

Pre-paid legal assistance for housing issues:

HTC-represented workers, who have access to pre-paid legal assistance through their union contract, can contact the Pre-Paid Legal Fund with housing issues including tenant/landlord issues, evictions, and foreclosures. Retirees from IWA shops are also eligible for this service. For more information call: (212) 586-6400; ext. 4258.

Additional resources for New York State residents

Apply for emergency rent relief

If you are a New York State renter you may be eligible for up to 12 months of overdue rent payments from the State if you meet all of the following criteria:

  • Your household income is 80% or below the Area Median income
  • A member of your household received unemployment benefits or a loss of income or experienced financial hardship due to COVID-19 on or after March 13, 2020,
  • Your household is at risk of housing instability or homelessness
  • You have overdue rent

Immigration status does not impact your eligibility for rental assistance.

To apply for this program click here.

Free legal services to prevent foreclosure:

The Homeowner Protection Program, is offering free housing counseling and legal services to New York Residents facing foreclosure. Call 1-855-HOME-456 or 646-786-0888 to get referred to a counselor or attorney or visit their website.

Additional resources for New York City residents

Assistance paying your rent:

New York City residents facing an eviction can apply for emergency cash grants through the New York City Human Resources Administration. To learn more about cash assistance and apply, click here.

The Human Resources Administration also connects residents to rental assistance programs in the state. To learn more about these programs, click here.

Free legal assistance for New York City residents:

If you have received an eviction notice or a warrant of eviction or motion to enforce a warrant, you can receive legal help by calling 311 and asking for the Tenant Helpline.

Additional resources for New Jersey residents

Apply for emergency rent relief:

In March 2021, Governor Murphy launched the COVID-19 Emergency Rental Assistance Program Phase II to provide rental assistance for residents suffering from COVID related financial hardship. Click here to apply.

Mortgage relief:

New Jersey residents who are struggling financially as a result of COVID-19 should contact their financial institution to ask about mortgage relief options that may be available to them.

Free foreclosure and pre-foreclosure counseling:

If you are a New Jersey homeowner facing hardship, the New Jersey Housing and Mortgage Finance offers free counseling through its Foreclosure Mediation Assistance Program. Read more about finding a counselor in your area here.

Additional resources for Pennsylvania residents

Apply for emergency rent relief

Pennsylvania residents can apply for rent and utility assistance through the Pennsylvania Emergency Rental Assistance program. To learn more and submit an application, click here.

To find legal assistance near you, click here.

Additional resources for Connecticut residents

Apply for emergency rent relief

Connecticut residents may be eligible for up to $15,000 in rent relief and up to $1,500 in electricity assistance through the UniteCT Program. For more information, and to apply, click here.

For assistance if you are facing an eviction, call 1-844-UniteCT (1-844-864-8328) and ask to speak to an eviction specialist who can help you find resources and legal assistance.