Legal FAQs for Renters in
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Do I have housing protections because of COVID-19?
Do I have housing protections because of COVID-19?
- Are there any special protections for Missouri renters during COVID-19?
You may be covered by national protections that last through January 31, 2021, or by your local county or city protections.
Some Missouri courts have issued special orders related to filing, serving, or obtaining judgments in eviction lawsuits. See if your county court has an order here. Check with your local government to see if they have adopted local rules suspending evictions, stopped utility shutoffs, or have other protections for renters.
- What do the protections mean for Missouri renters?
- Your landlord can still give you a notice to vacate, unless you live in a property that is covered by national protections under the CARES Act.
- Your landlord can still file an eviction claim in court against you, unless you live in a property that is covered by national protections under the CARES Act.
- Although many courts have suspended hearings, including those for evictions. You should check with your local court about whether it is still hearing eviction cases.
- While courts may issue a new order, judgement, or writ of eviction against you, an existing eviction order may not be enforced against you if you can show a COVID-19 hardship.
You may still be protected against eviction in Missouri through the national CDC Eviction Moratorium through January 31, 2021. Read more below to see if you are protected.
- Do I still have to pay rent during the emergency?
Yes, Missouri renters still need to pay rent during the emergency.
You may be protected for eviction based on nonpayment of rent through January 31, 2021. if you follow the CDC's National Eviction Moratorium's rules. But you may be sued for eviction after the special protections end, and will still owe all your rent.
If you cannot pay rent, you should take steps to protect yourself:
- See if you qualify for the national CDC Eviction Moratorium. If you do qualify, fill in the Declaration form and give it to your landlord. This can help stop the eviction or give you a defense against it.
- Communicate with your landlord: Send a written letter or email to your landlord as soon as possible. Explain that you cannot pay the rent because of a COVID-19 impact and describe what that reason is (for example, your place of employment closed because of the pandemic). You can also try to negotiate with your landlord to make a payment plan to allow you to pay rent over an extended period of time or get a temporary rent reduction. Get help here for drafting and mailing a letter to your landlord. You can also use this letter-writing tool here.
- Get written records of all communication: Keep copies of any letter or email you send, and any responses from your landlord. Get and keep receipts for any payments you make. If you make a payment plan or rent agreement, make sure you get it in writing and that both you and your landlord sign the agreement.
- Keep proof of COVID-19's impact on you: Collect documents about your COVID-19-related employment problems, health care issues, or other issues that affect your ability to pay rent. This includes letters from your employer, doctor, insurance provider, child care provider, schools, etc.
- Check for help: If you need financial assistance for housing costs, you may be able to get help.
- Can my landlord evict me during the COVID-19 emergency?
Yes, most Missouri renters can be evicted from their homes during the emergency period, unless the national protections apply to you. It is possible that some local governments may have suspended evictions.
There is no statewide special protection against eviction.
You may be covered by national protections, or by your local county or city. Read below to see if you are eligible for national protections.
Some Missouri city or county governments may have suspended eviction enforcements. Be sure to check if your local government has any special rules to protect you.
If you receive a notice to quit from your landlord, or an eviction lawsuit, reach out for legal help.
- Can my utilities be shut off during the emergency?
Some Missouri renters may be protected against utility shutoffs during the emergency. It depends on where you live.
Some Missouri utility companies are stopping all shutoffs during the emergency. Some cities have ordered that no resident’s utilities can be shutoff for nonpayment. Check with your local government or utility provider.
Renters must still pay their utility bills. If you need financial assistance for utility costs, you may be able to get help.
Landlords are never allowed to shut off a renter's utilities in an attempt to force the renter out. This is illegal. Reach out to a lawyer for help if this happens to you.
- Are you eligible for eviction protections under the CDC Eviction Moratorium?
What is the CDC Eviction Moratorium?
The CDC Eviction Moratorium orders that renters should be protected from eviction if they are unable to pay their rent due to hardships like job loss, income loss, or medical expenses. This protection lasts from September 4, 2020 through January 31, 2021.
The CDC Eviction Moratorium is not automatic protection against eviction. Renters need to fill in a Declaration document and give it to their landlord to get the protection.
Landlords may still try to file an eviction lawsuit against renters, but renters can use the moratorium to defend themselves in court.
Do you qualify for protection under the CDC Eviction Moratorium?
The CDC Eviction Moratorium applies to people who:
- Rent a home in the United States; AND
- Make less than $99,000 (or $198,000 if you file a joint tax return); AND
- Are facing eviction based on nonpayment of rent (not for other problems, like lease violations or criminal activity); AND
- Can show they’re unable to pay rent because they’ve had a financial hardship, like losing a job, decrease in income, or medical bills; AND
- Can show that they’ve been trying their hardest to pay their rent and find any rental assistance; AND
- Can show that they’re at risk of homelessness if they were to be evicted.
If you live in a state, county, or city that has an eviction moratorium, the CDC Eviction Moratorium doesn’t replace this local one. It adds on top of your local protections.
What does the CDC Eviction Moratorium get you?
The CDC Eviction moratorium can stop an eviction proceeding against you. It could stop your landlord from removing you from your home, or from a court giving your landlord an eviction order through Jan. 31, 2021.
- If your landlord has already started an eviction lawsuit against you, you can use the CDC Eviction Moratorium as a defense in court.
- You can use the Declaration form to tell your landlord that you are protected from eviction, and to ask the court to stop the eviction.
- You must follow the process below to be protected by the CDC Eviction Moratorium.
The CDC Eviction Moratorium does NOT get you rent relief:
- Even if you fill in the Declaration, this does not cancel rent that you owe, or stop rent or late fees from building up.
- After the CDC Moratorium expires on Jan. 31, 2021, you may be evicted for the rent that you owe.
The CDC Eviction Moratorium may NOT stop a landlord from suing you:
- Even after you fill in the Declaration and send it to your landlord, they might still file an eviction lawsuit against you.
- You can bring the Declaration to the court eviction hearing, to ask the court to stop the eviction.
- Call a local lawyer for help if your landlord sues you for eviction.
How do you use the CDC Eviction Moratorium to protect yourself?
To secure CDC Eviction Moratorium protection, follow these steps:
- Apply for rental assistance. Look for any rental and utility assistance in your area, and submit applications to these programs. Find local assistance programs here.
- Fill out Declarations. You and every adult in the household need to fill out a Declaration about your financial hardships and your attempts to get assistance. In the Declaration, you must say that you are telling the truth and that you may face legal consequences if you are lying. You can use this guide for help with the Declaration.
- Send the Declarations to your landlord, and also tell the landlord that you will do your best to pay when you can. Keep a copy of the Declarations, as well as any receipt or documentation that you have sent it to your landlord (like email receipt or screenshots of the message). These can be useful evidence that you followed the process correctly.
- Protections through Jan. 31st. After you send this, your landlord cannot remove you from your home for nonpayment of rent through January 31, 2021. They are also never allowed to harass or intimidate you, or force you to leave the home without a court order.
- If your landlord has filed an eviction lawsuit against you, you can bring your Declarations to the court to ask them to stop the lawsuit. Contact a legal aid lawyer to help you with the lawsuit. Please note: Your landlord can still evict you for reasons other than nonpayment of rent, like for engaging in criminal activity in the home, violating building codes or health ordinances, or threatening the health and safety of other residents.
- You will continue to owe your rent. Try to make a plan about how you will take care of all the rent you owe. At the end of the Eviction Moratorium protections on Jan. 31, 2021, you will no longer be protected from being evicted.
- Make sure you know your lease and its terms. Some landlords may try to evict you based on violations of the terms in your lease. If you know your lease, you can protect yourself by making sure you do not break any of its terms.
If your landlord is trying to evict you, you should contact a legal aid attorney who helps with evictions. The CDC Eviction Moratorium might give you protections that lawyers can help you with.
Did I have eviction protections under the CARES Act?
What if I need repairs?
Can I break my lease?
What do I do if my landlord tries to evict me?
Are eviction cases still proceeding through court?
Its information is taken from these sources:Princeton Eviction Lab's COVID Policy ScorecardsColumbia Law School COVID-19 Eviction Moratoria analysisEnergy and Policy Institute Utility Disconnect TrackerSupreme Court of Missouri order on in-person proceedingsMissouri Legal ServicesMissouri Courts