Eviction and Foreclosure Relief

Pre-Paid Legal Fund:

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


Resources for New York State Residents:

Protection from eviction:

On March 20th, 2020, Governor Cuomo issued a moratorium on all evictions. On May 7th, 2020, the Governor extended this moratorium on all COVID-related evictions until August 20th, 2020. Under this executive order, tenants are still obligated to pay their rent.

Governor Cuomo provided some additional relief to renters on May 7th, 2020, including:

  • No Fees. Renters cannot be charged fees for late or missed payments during the moratorium. 
  • Security Deposits can be Used Towards Rent. Renters facing financial hardship due to COVID-19 can use their security deposit to pay rent and repay their security deposit over time.
Mortgage relief:

On March 21st, 2020, Governor Cuomo announced that New York State regulated financial institutions will provide mortgage forbearance and financial protections for New Yorkers facing economic hardship as a result of COVID-19. The protections are as follows:

  • 90-Day Grace Period for Mortgage Payments. New York State regulated financial institutions will allow borrowers financially impacted by COVID-19 to delay mortgage payments for up to 90 days, consistent with applicable guidelines.
  • No Negative Credit Impact.  Individuals applying to delay mortgage payments will not receive any negative impact to their credit score as a result of applying for relief
  • No Fees. Late fees and fees for online payments will be suspended during this period.
  • No Foreclosures.

To take advantage of this relief, contact your bank/lender directly.

Free legal services to prevent foreclosure:

The Homeowner Protection Program, a network of 87 community-based organizations throughout the state vetted by the New York State Attorney General’s Office, 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 https://www.homeownerhelpny.com/get-help


Additional Resources for New York City Residents:

Assistance paying your rent:

If your work schedule was reduced as a result of the Coronavirus crisis and you are unable to pay your rent, you may be eligible for a special grant for emergency rental assistance. Visit the ACCESS HRA website to fill out an eligibility application.

Once you finish your application, an HRA staff member will call you to complete your eligibility interview.

Protection from eviction:

Since March 16, 2020 all eviction proceedings in New York City are suspended indefinitely. Anyone with knowledge of City marshals attempting to execute on warrants of eviction can report this activity by calling DOI's Bureau of City Marshals at 212-825-5953.

Your landlord cannot evict you, kick you out, or ask you to leave your apartment for having COVID-19 or for being under home-quarantine. For more information visit: https://www1.nyc.gov/content/tenantprotection/pages/covid19-home-quarantine


Utility Companies are suspending shut-offs until further notice:

According to the NYC Human Resources Administration offices, electricity, gas or oil for heat will not be turned off for non-payment until further notice, even if you get a notice that your service will end. To contact this City Department, call (718) 557-1399.


Resources for New Jersey Residents:

Protections from evictions and foreclosures:

On March 19th, 2020, Governor Murphy signed Executive Order No. 106 that placed a  moratorium on all evictions throughout the state. This means that no one may be removed from their home as a result of an eviction proceeding, with rare exceptions for violence or endangering other tenants.  At this time, the moratorium will last for no longer than two months following the end of the Public Health Emergency and State of Emergency established by Executive Order No. 103 (issued on March 9, 2020), whichever ends later. 

Additional rental assistance: 

On April 24th, 2020, Governor Murphy signed Executive Order No. 128 allowing renters to use their security deposit, as well as their portion of any interest and/or earnings accumulated thereon, towards rent payments due or to become due from the tenant during the Public Heath Emergency established in Executive Order No. 103 or up to 60 days after the Public Health Emergency terminates. 

According to the order, tenants will not have to pay back their security deposit relating to their current lease agreement, but would still be responsible for any money spent by the landlord that would have been reimbursable via the security deposit as outlined in their original lease (like damage to the property). If a tenant extends or renews their lease, then the tenant will have to pay back the security deposit in full either six months after Governor Murphy declares an end to the COVID-19 health crisis or on the date that the current lease agreement is extended or renewed, whichever is later.

This order will remain in place until 60 days after Governor Murphy declares an end to the COVID-19 health crisis.

The New Jersey Division of Housing and Community Resources offers a variety of programs including rental assistance. Visit https://njdca-housing.dynamics365portals.us/en-US/ to complete an online screening and determine if you are eligible.

Mortgage relief:

On March 28th, 2020, Governor Murphy announced that financial institutions will provide mortgage forbearance and financial protections for New Jersey Residents facing economic hardship as a result of COVID-19.

Under the proposal, New Jersey Residents who are struggling financially as a result of COVID-19 may be eligible for the following relief upon contacting their financial institution:

  • 90-Day Grace Period for Mortgage Payments.  Financial institutions must allow borrowers financially impacted by COVID-19 to delay mortgage payments for up to 90 days, consistent with applicable guidelines.
  • No Negative Credit Impact.  Financial institutions will not report late payments to credit reporting agencies, consistent with applicable guidelines, for borrowers taking advantage of COVID-19-related relief.
  • Relief from Fees and Charges: For at least 90 days, financial institutions will waive or refund mortgage-related fees for customers who have requested assistance.

You should contact your bank/lender directly to take advantage of this relief. For a list of financial institutions signed on, including Citigroup, JPMorgan Chase, U.S. Bank, Wells Fargo, and Bank of America, and more information about the relief visit the State’s website: https://www.state.nj.us/dobi/c...