ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

September 10, 2020

What happened since September 3, 2020:

Updates on Eviction Moratorium—At present there are three eviction moratoria in place. In addition, there are several steps in the court eviction process that have NOT been stopped. It is not clear how all of these changes in the law fit together, but the Center has put together the following:

  1. CDC issues moratorium on evictions until December 31, 2020:  The Centers for Disease Control (CDC), a federal agency charged with protecting the public health, has announced that it has placed a moratorium on evictions throughout the United States for nonpayment of rent beginning on September 4 and continuing until December 31, 2020. The moratorium applies to tenants who are being evicted for nonpayment of rent or for lapse of time AND who present a signed declaration form to their landlord.

What should tenants do?

To take advantage of the CDC moratorium, start by reading the requirements a tenant must meet to qualify for the moratorium. Then every person over 18 in a household should fill out a declaration and give it to the LANDLORD. Information about the declaration and how to create one are also available in Spanish. In addition, there are on-line forms that can be found here and here that can generate the CDC declaration.

2. Governor extends eviction moratorium to October 1: On Thursday, August 20, Governor Lamont announced he was extending the eviction moratorium until October 1, 2020. The Executive Order states that no Notice to Quit or Summary Process complaint can be given to a tenant or filed before October 1, 2020 with certain exceptions.

What should tenants do?

A landlord is allowed to send Notices to Quit if a tenant owes rent from before February 29, 2020, the tenant has created a serious nuisance, or if the landlord plans to use the unit as their personal residence and the existing rental agreement has ended. If a tenant receives a Notice to Quit or a summary process complaint, the tenant can call Statewide Legal Services to determine if they are eligible for free legal assistance. Call 1-800-453-3320 or apply for help online.

3. FHFA and FHA extend moratorium on foreclosures and evictions for homes with FHA and FHFA backed mortgages until December 31—FHA, Fannie Mae, and Freddie Mac should not begin an eviction action until after December 31, 2020, unless the property is abandoned or vacant. In addition, FHFA, Fannie Mae, and Freddie Mac have extended the foreclosure moratorium on these properties until December 31, 2020.

What should tenants/homeowners do?

If a tenant receives a Notice to Quit or a summary process complaint, the tenant can call Statewide Legal Services to determine if they are eligible for free legal assistance. Call 1-800-453-3320 or apply for help online. If a homeowner is served with a foreclosure complaint, they can contact the Center to sign up for an on-line meeting, answer a few short questions, and be set up with an appointment to talk to one of our attorneys.

  • TRHAP program closed for new applications: On Friday, August 28, the State’s Temporary Rental Housing Assistance Program (TRHAP) closed its call center and stopped taking on-line applications until Monday, September 14 at 8 a.m. During that time, the Department of Housing will continue to refer tenants who have completed the pre-application for assistance to housing counseling agencies to complete the application process. If you are unsure if you have completed a pre-application, you can contact trhapinfo@ct.gov. Include your name and address in the mail and the approximate date you made the application for TRHAP. It may take as long as a week to get information back from the Department of Housing.

Updates on Court Processes

  • Courts will begin issuing defaults:  Beginning on September 20, Connecticut courts can begin to issue defaults in cases where the defendant (in an eviction case, the tenant) has not responded to the landlord’s court-filed complaint or an Appearance. The court will give the tenant notice that a request for a default has been filed. A default means that the tenant has lost the case and the court could issue an execution allowing a marshal to move the tenant out.

What should tenants do?

If a tenant is notified that the landlord has asked for a default because a tenant has not responded to the landlord’s court-filed complaint or filed an Appearance, tenants should fill out an Appearance form if they have not already done so and give it to the court and the landlord or the landlord’s lawyer if they have one. In addition, tenants should read the requirements to determine if they qualify for the moratorium. If they do, then every person over 18 in a household should fill out a declaration and give it to the landlord or the landlord’s lawyer if they have one. Information about the declaration and how to create one are also available in Spanish. In addition, there are on-line forms that can be found here and here that can generate the CDC declaration. Finally, the tenant can call Statewide Legal Services to determine if they are eligible for free legal assistance, including help with responding to the landlord’s court-filed complaint. Call 1-800-453-3320 or apply for help online.

  • Connecticut Judicial Branch allows executions to be used for some summary process cases: Connecticut’s Judicial Branch announced that it would permit landlords to use executions to move out tenants who lost their summary process cases for serious nuisance, residential nonpayment evictions for nonpayment of rent on or before February 29, 2020, or for evictions where the landlord has a bona fide intention to use the dwelling as the landlord’s principal residence.

What should tenants do?

If a tenant receives notice from the court, a landlord, or a marshal that they will be moved out of their apartment through the use of an execution, the tenant should call the court that issued the execution and ask what they can do to stay in their apartment. In addition, tenants should read the requirements to determine if they qualify for the moratorium. If they do, then every person over 18 in a household should fill out a declaration and give it to the landlord or the landlord’s lawyer if they have one. Information about the declaration and how to create one are also available in Spanish. In addition, there are on-line forms that can be found here and here that can generate the CDC declaration. Finally, the tenant can call Statewide Legal Services to determine if they are eligible for free legal assistance. Call 1-800-453-3320 or apply for help online.

Mortgage Foreclosure

  • Connecticut rates 8th in the nation with non-current loans: Despite CARES Act protections, many borrowers with government-backed mortgages from Fannie Mae and Freddie Mac are behind on their loan payments but not in forbearance plans. Among these, FHA borrowers are most likely to not be in forbearance plans with 38% of loans past due, the largest volume and share of any investor class. Private mortgage investors are least likely to grant forbearances to people who cannot pay their mortgage.
  • Law days extended to October 6, 2020—Connecticut’s Judicial Branch extended foreclosure law days to October 6. As a result, any homeowner scheduled to lose title to their home as a result of foreclosure will have their right to title extended until October 6, 2020.
  • Apply for T-MAP on-line: CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.
  • Foreclosure advice: The Center is holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure can sign up for advice sessions over video or phone, and get some individualized questions answered in a way that they could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program. The program began on August 7, with 8 slots weekly and will expand if there’s enough demand from homeowners and capacity for us. Homeowners can sign up, answer a few short questions, and be set up with an appointment.
 

What we are hearing from our clients:

  • Tenants who lost their jobs in 2020 may not qualify for the TRHAP program because they earned too much in 2019
  • Many tenants hospitalized with COVID-19 fear being unable to return home when released from the hospital because they have been unable to pay the rent
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org
  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form here.  

More COVID-19 resources can be found on our websitehere.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER @CTFAIRHOUSING FOR UPDATES THROUGHOUT THE DAY.

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

September 3, 2020

 

CDC issues moratorium on evictions until December 31, 2020:  The Center for Disease Control (CDC), a federal agency charged with protecting the public health, has announced that it has placed a moratorium on evictions throughout the United States for nonpayment of rent beginning on September 4 and continuing until December 31, 2020. The moratorium applies only to tenants who are being evicted for nonpayment of rent AND who present a signed declaration form to their landlord. The form must state that the tenant 1) expects to make less than $99,000 in income for 2020 ($198,000 if filing a joint return); 2) is unable to pay full rent due to an income loss or extraordinary medical bills; 3) has used best efforts to obtain governmental rent assistance; 4) is likely to become homeless or forced to “live in close quarters” in another residence if evicted; and 5) promises to make timely partial payments that are as close to the full payment as the individual’s circumstances may permit.   

The Center is in the process of putting the form tenants must use up on its website and mailing it to any tenant who calls the Center. Please check our website for updated information as we learn more about the moratorium. For answers to some preliminary questions about the CDC’s eviction moratorium, click here.

To find a copy of the declarations all adults in a household must fill out and give to the landlord, click here. To create a declaration in Spanish, access this page and click the translation button in the top right corner. In addition, there are on-line forms that can be found here and here that can generate a declaration that notifies a landlord the tenant and all adult household members are covered by the CDC eviction moratorium.

Connecticut Judicial Branch allows executions to be used for some summary process cases: On September 3, 2020, Connecticut’s Judicial Branch announced that beginning on September 3, it would permit landlords to use executions to move out some tenants who lost their summary process cases on or before March 19, 2020. Executions can be used in eviction cases that were resolved before March 19, 2020 on the basis of serious nuisance, nonpayment of rent that was owed before February 29, 2020, or where the landlord has a bona fide intent to use the dwelling as their primary residence.

However, the Judicial Department also states, “No action taken pursuant to this order shall be in violation of the moratoria contained in the federal Coronavirus Aid, Relief, and Economic Security Act, the ‘Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19’ order issued by the Centers for Disease Control on September 1, 2020, or other applicable federal law, order, rule or regulation.” Check the Center’s website for more information as this order is further analyzed.

TRHAP program closed for new applications: On Friday, August 28, the State’s Temporary Rental Housing Assistance Program (TRHAP) closed its call center and stopped taking on-line applications until Monday, September 14 at 8 a.m. During that time, the Department of Housing will continue to refer tenants who have completed the pre-application for assistance to housing counseling agencies to complete the application process. If you are unsure if you have completed a pre-application, you can contact trhapinfo@ct.gov. Include your name and address in the mail and the approximate date you made the application for TRHAP. It may take as long as a week to get information back from the Department of Housing.

Apply for T-MAP on-line:  CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.

Foreclosure advice: The Center is holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure can sign up for advice sessions over video or phone, and get some individualized questions answered in a way that they could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program. The program began on August 7, with 8 slots weekly and will expand if there’s enough demand from homeowners and capacity for us. Homeowners can sign up, answer a few short questions, and be set up with an appointment.

What happened since August 28, 2020:

  • Evictions likely to spread virus: Tenants evicted as the result of the COVID-19 economic crisis will likely double up with friends or family to avoid living on the street. As a result, eviction could be a super spreader event as displaced families crowd into shelters or risk their health at unsafe jobs to pay for rent or moving expenses. In addition to a nationwide eviction stoppage, experts estimate that the U.S. needs between $7 and $12 billion a month to help workers who rent to remain safe and secure in their homes.
  • Eviction ban alone won’t solve crisisHousing advocates and housing providers are applauding the CDC’s actions in halting evictions but say a moratorium is not enough. The eviction moratorium will harm landlords in the short run because there is no rental assistance that accompanies the order. As a result, housing providers especially small landlords, will be unable to pay for repairs, real estate taxes, and other housing operating costs. In the long run, tenants unable to pay the rent at the end of the moratorium will face the loss of their homes after December during some of the coldest months of year. Rental assistance is needed to avoid this catastrophe.
  • New Haven to assist households on verge of eviction or foreclosure:  Because city officials estimate that between 8,00 and 10,000 families in New Haven could be subject to eviction or foreclosure, it has created an assistance program to assist 300 renters and homeowners using $800,000 of its CARES Act funding. Families will be eligible for payments of up to $3,000 for renters and $4,000 for homeowners. The funding can be used as a standalone program or in conjunction with the TRHAP and TMAP programs to pay back rent or mortgage payments There is more information on the program on the City of New Haven’s website or by calling 203-946-7090.
  • State rental assistance program is likely out of funds:  According to the most recent information released by the Department of Housing, at least 5,800 people had qualified for help and until the program shut down intake, was receiving at least another 200 calls for help a day. This will likely deplete the $20 million set aside to assist tenants who cannot pay their rent due to the economic crisis caused by COVID-19. The State has not said it will add any additional funds to the program despite knowing that the $20 million will not help everyone who needs it.
  • Connecticut reserves approach $3.1 billion:  The State’s reserve fund, also known as the rainy day fund, has exceeded the legal limit for contributions for the first time in 19 years. It now stands at $3.1 billion. This will allow the state to cover the projected FY2021 budget deficit and still leave nearly $1 billion in the bank. Key lawmakers are calling on the state to spend some of the reserve to combat the effects of the coronavirus.
  •  Majority of Hartford families will keep their kids home this fall: The majority of Hartford families will keep their school age children home this fall and have instead chosen online learning. This is a sharp difference from nearly urban school districts but which many parents feel they must make because of the disproportionate impact of COVID-19 on communities of color.
  •   People of color underrepresented in COVID-19 vaccine trials: Despite being some of the hardest hit communities in the country, people of color are underrepresented in vaccine trials for COVID-19. Of the 350,000 people who have registered online for a coronavirus clinical trial, only 10% are Black or Latino. This could result in vaccines that are not effective for all people.
  • Federal foreclosure moratorium and evictions extended to December 31:  The Federal Home Finance Authority announced that it will extend the moratorium on single-family foreclosures and evictions from Real Estate Owned (REO) properties through December 31, 2020. The foreclosure moratorium applies to Fannie Mae and Freddie Mac single-family mortgages only. The REO eviction moratorium applies to properties that have been acquired by Fannie Mae or Freddie Mac through foreclosure or deed-in-lieu of foreclosure transactions. The current moratoriums were set to expire on August 31, 2020. 
  • FHA delinquency rate now the highest ever recorded: The COVID-19 pandemic continues to impact homeowner’s ability to make their mortgage payments. According to Black Knight, FHA delinquency rates are now at 15.65%, the highest ever recorded since the survey of delinquencies began in 1979. Overall, the number of seriously delinquent mortgages, meaning payments overdue by 90 days or more, rose to the highest rate since early 2010. While the CARES Act forbids forbearances to be reported to credit bureaus as late payments, the mortgage industry still tallies the suspended payments as delinquencies.
  • Residential utility shut-off moratorium: On September 9, 2020 the residential utility shut-off moratorium will end for non-hardship customers. Non-hardship customers are those utility customers who have no financial hardship but have been protected from shut off during the pandemic. On October 31, the residential utility shut-off moratorium will end for hardship customers. If you are unable to pay for your utilities, contact your gas or electric company to get coded as “financial hardship” customers so that you can be protected from upcoming shut-offs after the end of the moratorium. Contact the utilities directly, call 2-1-1 for more information or contact local community action agencies for help.
  •  Energy assistance: Community action agencies began accepting energy assistance applications on August 3. Anyone seeking to apply for energy assistance should contact their local community action agency, as much of the paperwork will be done by mail, with few in-person appointments this year. DSS also has an on-line energy assistance application this year, but it must be downloaded and sent to the local community action agency with other qualifying information
  • Eviction Lab publishes Connecticut data: The Eviction Lab, begun by sociologist Matthew Desmond, has begun publishing data gathered by the Connecticut Fair Housing Center on the number of new summary process actions filed every day. With the number of new filings expected to go up after the moratorium ends, Connecticut will be facing an eviction crisis which will be tracked in real time.

What we are hearing from our clients:

  • Tenants who lost their jobs in 2020 may not qualify for the TRHAP program because they earned too much in 2019
  • Many tenants hospitalized with COVID-19 fear being unable to return home when released from the hospital because they have been unable to pay the rent
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org
  • Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • here.  

More COVID-19 resources can be found on our websitehere.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER @CTFAIRHOUSING FOR UPDATES THROUGHOUT THE DAY.

Sept. 3, 2020: Update on stay of executions

Connecticut Judicial Branch allows executions to be used for some summary process cases: On September 3, 2020, Connecticut’s Judicial Branch announced that beginning on September 3, it would permit landlords to use executions to move out some tenants who lost their summary process cases on or before March 19, 2020. Executions can be used in eviction cases that were resolved before March 19, 2020 on the basis of serious nuisance, nonpayment of rent that was owed before February 29, 2020, or where the landlord has a bona fide intent to use the dwelling as their primary residence.

However, the Judicial Department also states, “No action taken pursuant to this order shall be in violation of the moratoria contained in the federal Coronavirus Aid, Relief, and Economic Security Act, the ‘Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19’ order issued by the Centers for Disease Control on September 1, 2020, or other applicable federal law, order, rule or regulation.”

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Fair Housing COVID-19 Weekly Response 8.27.20

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

August 27, 2020

Governor extends eviction moratorium to October 1: At his press conference on Thursday, August 20, Governor Lamont announced he was extending the eviction moratorium until October 1, 2020. The Executive Order states that no Notice to Quit or Summary Process complaint can be given to a tenant or filed before October 1, 2020 with certain exceptions. A landlord is permitted to send Notices to Quit for non-payment of rent owed before February 29, 2020, for serious nuisance, or if the landlord plans to use the unit as their personal residence and the existing rental agreement has ended. The Judicial Branch has still not determined if it will postpone the use of executions beyond September 1, foreclosure law days beyond September 9, or sale dates beyond October 3. The Center will send an update as soon as this issue is decided.

Apply for TRHAP on-line:  As of Wednesday, August 12, the Department of Housing’s Temporary Rental Housing Assistance Program is available to everyone who has moderate income and owes rent because of COVID-19. You can apply on-line or by telephone, 1-860-785-3111. For more information about the program, click here.

TRHAP Media Outreach Kit: The Center has produced a social media outreach kit to increase outreach and multi-language access to the State’s rental assistance program. We are asking our partners to please post information about the rental assistance program on their social media channels. The toolkit will be continuously updated, so please check back often for more tools.

TRHAP FAQs and program summaries are now available in 10 languages.


Apply for T-MAP on-line:  CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.

Foreclosure advice: The Center is holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure can sign up for advice sessions over video or phone, and get some individualized questions answered in a way that they could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program. The program began on August 7, with 8 slots weekly, and it will expand if there’s enough demand from homeowners and capacity for us. Homeowners can sign up, answer a few short questions, and be set up with an appointment.

What happened since August 21, 2020:

  • Federal foreclosure moratorium and evictions extended to December 31: The Federal Home Finance Authority and the Federal Housing Administration announced that they will extend the moratorium on single-family foreclosures and evictions from Real Estate Owned (REO) properties through December 31, 2020. The foreclosure moratorium applies to Fannie Mae and Freddie Mac single-family mortgages only. The REO eviction moratorium applies to properties that have been acquired by Fannie Mae or Freddie Mac through foreclosure or deed-in-lieu of foreclosure transactions. The current moratoria were set to expire on August 31, 2020.
  • FHA delinquency rate now the highest ever recorded—The COVID-19 pandemic continues to impact homeowners’ ability to make their mortgage payments. According to Black Knight, FHA delinquency rates are now at 15.65%, the highest ever recorded since the survey of delinquencies began in 1979. Overall, the number of seriously delinquent mortgages, meaning payments overdue by 90 days or more, rose to the highest rate since early 2010. While the CARES Act forbids forbearances to be reported to credit bureaus as late payments, the mortgage industry still tallies suspended payments as missed payments.
  • Rental assistance program falls short: Even though the State is doubling the amount of rental assistance money to help renters unable to pay rent as the result of the COVID-19 pandemic, advocates say the funding will fall short of the need. The new funding will help approximately additional 2,500 households and applications are still being taken.
  • Residential utility shut-off moratorium. On September 9, 2020 the residential utility shut-off moratorium will end for non-hardship customers. Non-hardship customers are those utility customers who have no financial hardship but have been protected from shut off during the pandemic. On October 31, the residential utility shut-off moratorium will end for hardship customers. If you are unable to pay for your utilities, contact your gas or electric company to get coded as “financial hardship” customers so that you can be protected from upcoming shut-offs after the end of the moratorium. Contact the utilities directly, call 2-1-1 for more information or contact local community action agencies for help.
  • Energy assistance. Community action agencies began accepting energy assistance applications on August 3. Anyone seeking to apply for energy assistance should contact their local community action agency, as much of the paperwork will be done by mail, with few in-person appointments this year. DSS also has an on-line energy assistance application this year, but it must be downloaded and sent to the local community action agency with other qualifying information
  • $300 increase in unemployment benefits. The Federal Emergency Management Agency (FEMA) approved a grant for Connecticut to authorize an additional $300 a week in unemployment assistance. For approximately 250,000 unemployed people in Conn. this will be added to their average benefit of $269 a week. To be eligible for the added $300 a week, the unemployed person must be receiving at least $100 in unemployment benefits. Contact the unemployment office for eligibility requirements.
  • As evictions loom, lawyers are gearing up to help. Legal assistance attorneys all over the country and in Connecticut are gearing up to help with the wave of evictions that are sure to follow the end of many states’ eviction moratorium. For many low-income renters, having a lawyer represent them in their eviction case can mean the difference between being evicted or being able to stay in their homes. Across the country, landlords are represented at least 80% of the time while tenants have lawyers in fewer than 10% of cases.
  • Black homeowners have their homes appraised for less. A Black homeowner in a Hartford suburb found that his home appraised for more after he removed family photos and movie posters with Black protagonists and had a white neighbor stand in for him during a second appraisal. Such experiences are not unique with many Black homeowners having their homes appraised for less than their white neighbors. This appraisal disparity prevents many Black homeowners from building equity and further perpetuates income inequality.
  • Connecticut’s suburban strategy. A history of redlining, discrimination in lending and real estate sales, and exclusionary zoning have resulted in high degrees of segregation with people of color, and particularly low-income people of color being shut out of majority white suburbs. Promoting integration and access to the benefits and lifestyles available throughout Connecticut requires a dual approach that opens up the suburbs and invests in cities.
  • Eviction Lab publishes Connecticut data: The Eviction Lab, begun by sociologist Matthew Desmond, has begun publishing data gathered by the Connecticut Fair Housing Center on the number of new summary process actions filed every day. With the number of new filings expected to go up after the moratorium ends, Connecticut will be facing an eviction crisis which will be tracked in real time.

What we are hearing from our clients:

  • Tenants who lost their jobs in 2020 may not qualify for the TRHAP program because they earned too much in 2019
  • Many tenants hospitalized with COVID-19 fear being unable to return home when released from the hospital because they have been unable to pay the rent
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • TONIGHT: Tune into the Center’s Facebook page, at 6:30 pm, to learn about access to rental relief with Representative Anthony Nolan.
  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org

 

  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

 

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form

 

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER @CTFAIRHOUSING FOR UPDATES THROUGHOUT THE DAY.

TRHAP: Media Outreach Kit

Social Media Outreach Toolkit

Purpose: Increase Access to Connecticut’s Temporary Rental Housing Assistance Program (TRHAP)

In Connecticut, Black and Latinx households have been hardest hit by the COVID-19 crisis. They have greater rates of infection, job loss, and housing instability. Systemic discriminatory housing policies mean that families who rent their homes are overwhelmingly people of color. In last week’s Pulse Census Survey, 40% of African American households in Connecticut reported that they had little to no confidence in being able to pay next month’s rent. Outreach to Black and Latinx communities about the State’s rental relief program needs to increase, especially as more funds become available.

Below are social media images and statements we hope individuals and organizations will share on their channels and with their constituencies to increase access to the program for households with limited English, and lower income households with limited political connections.

Applicable links

English only online application for TRHAP: http://bit.ly/TRHAPApp

Longer CHFA URL: https://www.chfa.org/homeowners/state-of-connecticut-temporary-rental-housing-assistance-program-trhap/

FAQ guidance about TRHAP in 10 languages: http://bit.ly/TRHAPmultilanguage

Longer URL: https://www.ctfairhousing.org/connecticut-trhap/

Facebook

English

Do you need help paying your rent because of COVID-19? The State’s rental assistance program is still accepting applications. Please call (860) 785-3111 or go to http://bit.ly/TRHAPApp to apply.

If you have any questions about the program or need materials in languages other than English please visit our website at http://bit.ly/TRHAPmultilanguage

Spanish

¿Necesita ayuda para pagar el alquiler debido a COVID-19? El programa estatal de asistencia para el alquiler todavía está aceptando solicitudes. Llame al (860) 785-3111 o visite http://bit.ly/TRHAPApp para presentar su solicitud.

Si tiene alguna pregunta sobre el programa o necesita materiales en otros idiomas además del inglés, visite nuestro sitio web en http://bit.ly/TRHAPmultilanguage

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Spanish

¿Necesita ayuda para pagar el alquiler debido a COVID-19? El programa estatal de asistencia para el alquiler todavía está aceptando solicitudes. Visite http://bit.ly/TRHAPApp

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English

Do you need help paying your rent because of COVID-19? The State’s rental assistance program is still accepting applications. Visit http://bit.ly/TRHAPApp

 

Fair Housing COVID-19 Weekly Response 8.13.20

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

August 13, 2020

Eviction moratorium ends on August 22: The State of Connecticut’s eviction moratorium ends on August 22, 2020. Please read our FAQs about the moratorium here in English and in Spanish. Executive Order 7DDD issued by Governor Lamont extended the eviction moratorium so that, except for serious nuisance cases or cases based on nonpayment of rent that was due prior to February 29, 2020, no notices to quit may be served until Saturday, August 22, 2020.

Apply for TRHAP on-line:  As of Wednesday, July 12, the Department of Housing’s Temporary Rental Housing Assistance Program is available to everyone who has moderate income and owes rent because of COVID-19. You can apply on-line or by telephone, 1-860-785-3111. For more information about the program, click here.

President issues executive order regarding eviction: On August 8, President Trump signed an executive order regarding evictions. The order directs various federal agencies to consider what they can do with existing authority or budgets to help people in danger of losing their homes to eviction. However, immediate relief for renters seems unlikely via this order since it does nothing to stop landlords from filing eviction cases nor courts from hearing them. In addition, the President said he ordered emergency pandemic aid for needy Americans as well as a cut in payroll taxes.

 Apply for T-MAP on-line:  CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.

Foreclosure advice: Until the pandemic, the Center provided several different ways for homeowners in foreclosure to get assistance. Since some of these involved in-person meetings in courthouses, those particular avenues for assistance have shut down. However, on August 7, the Center started holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure will be able to sign up for advice sessions over video or phone, and get some individualized questions answered in a way they – under normal circumstances – could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program. The program offers several weekly, and we will expand it based on demand and our own capacity. Homeowners can sign up, answer a few short questions, and be set up with an appointment pretty quickly.

 What happened since August 6, 2020:

  • Few qualify for state programs: According to the Department of Housing, more than 1,100 people call to apply for the State’s TRHAP rental assistance every day. Yet only about 170 callers each day qualify for help. Evictions are expected to almost double over the same period last year, rising to a total of at least 14,000 households in danger of being displaced in the next few months.
  • Court refuses to issue an injunction ending the eviction moratorium: Several landlords filed suit against the Lamont administration alleging that by issuing a moratorium on evictions, the State has violated their due process rights and deprived them of their ability to collect rent. This week Connecticut’s federal District Court refused to issue an order which would have immediately suspended the State’s eviction moratorium.
  • Eviction Lab publishes Connecticut data: The Eviction Lab, begun by sociologist Matthew Desmond, has begun publishing data gathered by the Connecticut Fair Housing Center on the number of new summary process actions filed every day. With the number of new filings expected to go up after the moratorium ends on August 22, Connecticut will be facing an eviction crisis which will be tracked in real time.
  • NY stops evictions until the COVID-19 crisis ends: The New York State legislature has passed a law that suspends all evictions until Governor Cuomo lifts all restrictions on businesses and non-essential gatherings.
  • Public housing tenants worried about COVID-19 spread can refuse inspections: While HUD has ordered housing authorities to resume in-person inspections of housing units, tenants worried about the spread of the COVID-19 virus can refuse to permit people into their apartments to do inspections.
  • Evictions and foreclosures are coming: People all over the country are facing evictions and foreclosures. More than 20% of households say they do not expect to be able to pay rent or their mortgage in September. The number of people displaced could be greater than the number during the real estate collapse in 2008. This will also effect the economy with experts predicting the largest disruption to the housing market since the Great Depression.
  • Mortgage delinquencies are spiking: As of the end of June, more people were behind on their mortgage, and more people were “seriously” behind on their mortgage (90+ days) since 2011 – one of the worst years of the Great Recession. Most mortgage companies are allowed to pursue foreclosure actions once the borrower has been behind on their mortgage for 120 days. Click here for more information.
  • Health care workers of color nearly twice as likely as whites to get COVID: According to a new study by Harvard Medical School, health care workers of color were more likely to care for patients with suspected or confirmed COVID-19, more likely to report using inadequate or reused protective gear, and nearly twice as likely as white colleagues to test positive for the coronavirus. 
  • The Connecticut Fair Housing Center is responding to the coming eviction crisis by hiring a Staff Attorney and a Community Education Specialist and Tenant Organizer. You can find the job announcements here. Please share this announcement with your contacts.

What we are hearing from our clients:

  • Tenants attempting to apply for TRHAP assistance are experiencing long wait times in getting through to someone who can take their application and depleting minutes on pay-as-you-go phones.
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org
  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

Call to Action:  Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities: nearly 60% of Black renters and 55% of Hispanic renters are cost-burdened compared to people who are white. For more information on tenants’ demands and to sign the petition, click here. To participate in the regular actions, click here.

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

Fair Housing COVID-19 Weekly Response 8.6.2020

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

August 6, 2020

Eviction moratorium: The State of Connecticut’s eviction moratorium ends on August 22, 2020. Please read our FAQs about the moratorium here in English and in Spanish. Executive Order 7DDD issued by Governor Lamont extended the eviction moratorium so that, except for serious nuisance cases or cases based on nonpayment of rent that was due prior to February 29, 2020, no notices to quit may be served till Saturday, August 22, 2020.

 

Apply for TRHAP on-line:  The Department of Housing’s Temporary Rental Housing Assistance Program now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here. To read the Center’s fact sheet about the program, click here.

 

Apply for T-MAP on-line:  CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.

Foreclosure advice: Until the pandemic, the Center provided several different ways for homeowners in foreclosure to get assistance. Since most of these involved in-person meetings in courthouses, those avenues for assistance have shut down. However, beginning on August 7, the Center will start holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure will be able to sign up for advice sessions over video or phone, and get some individualized questions answered in a way they – under normal circumstances – could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program. The program will begin on August 7, with 8 slots weekly, and expand if there’s enough demand from homeowners and capacity for us. Homeowners can sign up, answer a few short questions, and be set up with an appointment pretty quickly.

We are hiring!

The Connecticut Fair Housing Center is responding to the coming eviction crisis by hiring a Staff Attorney and a Community Education Specialist and Tenant Organizer. You can find the job announcements here. Please share this announcement with your contacts.

What happened since July 30, 2020:

 

  • Governor holding onto CARES Act funding in case it is needed later: Despite an effective unemployment rate of 16.5%, Governor Lamont has refused to spend all of the $1.38 million the State has received in CARES Act funding to alleviate the expenses caused by the COVID-19 crisis and has instead saved the money for use at a later date. In the meantime, more than 6,000 a day people have called the Department of Housing’s hotline to apply for THRAP assistance.

 

  • Connecticut’s mortgage delinquency rate is one of the highest in the nation: Connecticut homeowners are falling behind at a higher rate than those in most other states. According to Black Knight, a firm that provides lenders and mortgage servicers with data and analytics, 9.93% of Connecticut’s 571,513 mortgages were delinquent at the end of June, compared to 7.6% nationally. Over half are delinquent by 90 days when most lenders begin foreclosures actions. Connecticut ranks 10th in the country in mortgage delinquencies. If you are behind on your mortgage, beginning on Friday, August 7, homeowners can sign up for the Center’s Foreclosure Advice Virtual Sessions, answer a few short questions, and be set up with an appointment pretty quickly.

 

  • Hartford has the lowest census response rate in the nation: While Connecticut’s census response rate at 66.7% was higher than the national response rate of 62.9%, Hartford has the lowest response rate in the country with only 44.6% of people responding. Advocates hope that any new stimulus bill will give the Census Bureau additional time to finish its count. Without accurate responses from all parts of the country, it will be difficult to allocate Congressional representation and many federally funded social service program.

 

  • Crisis unwasted: In response to the Black Lives Matter movement and in the wake of the protests that began after the death of George Floyd, state and local officials are considering changes to zoning laws to require towns to be more inclusive. Mayor Justin Elicker of New Haven as well as former Darien First Selectwoman and former DOH Commissioner Evonne Klein have both made it clear that promoting integration through the building of affordable housing in many new locations will address many of the issues affecting people of color in Connecticut.
  • Unemployment numbers for June show increasing impact on people who are Black: Data released by Connecticut’s Department of Labor reveals that while the overall number of unemployed people in Connecticut decreased by about 8.2% compared to May, the improvements to the economic was not felt equally. For White and Asian people, about 11% less were out of work in June when compared to May. For Latinx people, only 6.2% less were out of work. For Black people, 6% more were out of work when compared with May.  The weight of job losses continues to be felt most by younger people as well, with more than 11% of the unemployed aged 45-59 returning to work, but only about 6.5% of unemployed people aged 22-34 returning to work. Every demographic in Connecticut saw significant numbers of unemployed people go back to work in June when compared to May, and May when compared April. The only demographic that did not show improvement were Black people. More Black people were unemployed at the end of June than in April, the peak of unemployment in Connecticut.

What we are hearing from our clients:

  • Tenants attempting to apply for TRHAP assistance are experiencing long wait times in getting through to someone who can take their application and depleting minutes on pay-as-you-go phones.
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org
  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

Call to Action:  Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities: nearly 60% of Black renters and 55% of Hispanic renters are cost-burdened compared to people who are white. For more information on tenants’ demands and to sign the petition, click here. To participate in the daily actions on Mondays and Wednesday, click here.

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

Fair Housing COVID-19 Weekly Update 7.30.20

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

July 30, 2020

Apply for TRHAP on-line:  The Department of Housing’s Temporary Rental Housing Assistance Program now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here. To read the Center’s fact sheet about the program, click here.

Apply for T-MAP on-line:  CFHA’s Temporary Mortgage Assistance Program to assist homeowners who are unable to pay their mortgage, the Temporary Mortgage Assistance Program, now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here.

Eviction moratorium:  Executive Order 7DDD issued by Governor Lamont extended the eviction moratorium so that, except for serious nuisance cases or cases based on nonpayment of rent that was due prior to February 29, 2020, no notices to quit may be served till Saturday, August 22, 2020. Please read our FAQs about the moratorium here in English and in Spanish.

Federal eviction moratorium ends: In March, the federal government placed a moratorium on evictions from homes with federally-backed mortgages. On Friday, July 24, that eviction moratorium ends. However, the Connecticut moratorium on evictions will continue until August 22, with the limited exceptions explained above. This means that landlords in Connecticut cannot serve a Notice to Quit or a summary process complaint against anyone regardless of whether they have a federally backed mortgage.

Foreclosure advice: Until the pandemic, the Center gave homeowners in foreclosure several ways to get assistance. Most of these involved in-person meetings in courthouses or clinics which are not currently possible. Beginning on August 7, the Center will start holding

Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure can sign up for 15 minute advice sessions over video or phone to get legal advice about their foreclosure questions. The program will begin on August 7, with 8 advice slots available weekly. We will expand availability based on our capacity and demand for the programs. Homeowners can sign up online, answer a few short questions, and select an appointment date and time.

What happened since July 16, 2020:

  • Unemployment numbers for June show increasing impact on people who are Black: Data released by Connecticut’s Department of Labor reveals that while the overall number of unemployed people in Connecticut decreased by about 8.2% compared to May, the improvements to the economic was not felt equally. For White and Asian people, about 11% less were out of work in June when compared to May. For Latinx people, only 6.2% less were out of work. For Black people, 6% more were out of work when compared with May.  The weight of job losses continues to be felt most by younger people as well, with more than 11% of the unemployed aged 45-59 returning to work, but only about 6.5% of unemployed people aged 22-34 returning to work. Every demographic in Connecticut saw significant numbers of unemployed people go back to work in June when compared to May, and May when compared April. The only demographic that did not show improvement were Black people. More Black people were unemployed at the end of June than in April, the peak of unemployment in Connecticut.
  • Want to help kids weather this school year? Keep them from getting evicted: Experts researching the effect of eviction on families and educational achievement by children recommend that keeping families from being evicted will ensure better school outcomes. Unfortunately, Congress has not yet acted to extend the federal moratorium on evictions, nor has it provided any significant rent relief program. Connecticut’s TRHAP program is predicted to run out of money before everyone affected by the COVID-19 pandemic is assisted.
  • Solving the eviction crisis: The Editorial Board of the New York Times recommends that Congress impose a nationwide moratorium on evictions and then give people who have lost their jobs money to pay their rent or mortgage. If something is not done, the United States is on the verge of allowing a mass dislocation of lower-income household that could dwarf the Great Recession.
  • As enhanced unemployment ends, expect a wave of evictions: With the end of the $600 a week enhanced unemployment benefits, Connecticut should expect a wave of evictions when the Connecticut moratorium lifts on August 22. More than 300,000 people who are unemployed have applied for benefits while Connecticut landlords have predicted a doubling or tripling of new evictions over the number filed last year.

 

  • Connecticut’s coffers have grown during the pandemic: Connecticut’s rainy day fund which can be used to solve short term budget crises has grown during the pandemic despite warnings of a nearly $1 billion deficit just three months ago. The rainy day fund now stands at $2.8 billion, an increase from $2.5 billion when the crisis began.

 

  • Homebuyers look to upgrade while renters face eviction: The COVID-19 pandemic has exacerbated inequities throughout the country. With historically low interest rates, many homebuyers are upgrading to their dream homes while renters face eviction. Real estate agents throughout the country report a hot market for people buying homes with sellers sometimes receiving multiple offers above listing price. At the same time, renters are hearing only that they may lose their homes to eviction because they lost their jobs and cannot pay rent.

 

  • Judicial Branch is developing a process to handle summary process mediations by video conference: The Judicial Branch announced that in addition to holding remote hearings and remote trials in identified civil cases, it is also developing a process to allow for summary process cases to be mediated through video conference with a housing mediator.

 

  • Court issues guide to participating in court hearings remotely: The Judicial Branch issued 32 pages of guidance on how to participate in court hearings remotely for attorneys and self-represented parties. To participate, parties must have access to the internet and the Microsoft Teams app. Advocates are concerned that many low-income people will have difficulty participating in court hearings in the future.

 

  • Foreclosures delayed. The Judicial Branch issued orders delaying foreclosure sales until October 3, 2020 to prevent the potential gathering of individuals at the auction site and rescheduling law days for strict foreclosures to September 9, 2020.

What we are hearing from our clients:

  • Tenants attempting to apply for TRHAP assistance are experiencing long wait times in getting through to someone who can take their application and depleting minutes on pay-as-you-go phones.
  • The TRHAP program does not have a TTY line making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

Outreach

  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org

 

  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

Call to Action:  Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities: nearly 60% of Black renters and 55% of Hispanic renters are cost-burdened compared to people who are white. For more information on tenants’ demands and to sign the petition, click here.

 

 

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form

 

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

Fair Housing COVID-19 Weekly Update 7.23.20

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

July 23, 2020

To sign up to receive this weekly update please click here.

Tenant Rental Housing Assistance Program (TRHAP):  The Department of Housing’s rental assistance program began accepting applications on July 15. To apply for assistance, call 1-860-785-3111. For more information about the program, click here. To read the Center’s fact sheet about the program, click here.

Temporary Mortgage Assistance Program (T-MAP):  CHFA’s program to assist homeowners who are unable to pay their mortgage as the result of income loss due to COVID-19 began accepting applications on July 15. To apply for assistance, call 1-860-785-3111. For more information about the program, click here.

Eviction moratorium:  Executive Order 7DDD issued by Governor Lamont extended the eviction moratorium so that, except for serious nuisance cases or cases based on nonpayment of rent that was due prior to February 29, 2020, no notices to quit may be served till Saturday, August 22, 2020. Please read our FAQs about the moratorium here in English and in Spanish.

Federal eviction moratorium ends: In March, the federal government placed a moratorium on evictions from homes with federally backed mortgages. While eviction moratorium ends on July 24. landlords with federally backed mortgages can only start an eviction by serving a thirty-day notice to quit rather than a three-day notice. Further, the Connecticut moratorium described above applies to serving any notices to quit, and it will continue until August 22. This means that landlords in Connecticut cannot serve a Notice to Quit or a summary process complaint against anyone regardless of whether they have a federally backed mortgage unless they (1) fit the exceptions listed above under the Connecticut moratorium and (2) do not have a federally backed mortgage.

 

What happened since July 16, 2020:

 

  • TRHAP rolls out slowly: Tenants needing assistance and advocates helping them reported difficulties getting through to the Temporary Rental Housing Assistance Program (TRHAP) call center to put in an application for rental assistance during the first three days the program was in operation. Some tenants reported waiting on hold for as long as an hour and then having their calls disconnected. DOH has said all of the problems with long wait times have been cleared up.
  • Enhanced unemployment benefits end on July 27: Approximately 15% of Connecticut’s labor force, or between 240,000 and 320,000 people, are set to lose enhanced unemployment benefits on July 27. While Congress is debating extending the benefits, no legislation has passed of today. Many tenants and homeowners report having depleted savings and they now fear that the loss of the enhanced payments will lead to the loss of their homes.
  • Black renters and homeowners fear being unable to pay rent: This current estimate of households experiencing rental shortfall uses Census pulse survey data to predict that almost 50% African American renters in Connecticut have limited to no confidence in being able to pay next months rent. The tool also estimates that the rental shortfall in CT currently is just over $200,000,000, and that there is likely to be over 100,000 eviction filings in the next four months. The analysis is close to what the Center predicted in April of 2020. Similar findings are also reported
  • CARES Act payments went toward rent: Data collected by the National Multifamily Housing Councils shows that more 81% of renters who used CARES Act stimulus funds on spending (instead of paying down debt or applying toward savings) reported putting some of that money toward rent payments. Data collected by the S. Census Bureau’s Pulse Survey supports this claim.
  • Judicial Branch announces a delay in the use of executions and law days: The Judicial Branch announced that the use of executions in summary process cases and post-foreclosure ejectments has been delayed until September 1. This means that no one can be removed from their home until September 1 or later because they lost their eviction or foreclosure case in court. In addition, the Judicial Branch announced that law days for foreclosures have been extended until September 9. The law day is the last day the homeowner owns their home.
  • Court issues guide to participating in court hearings remotely: The Judicial Branch issued 32 pages of guidance on how to participate in court hearings remotely for attorneys and self-represented parties. To participate, parties must have access to the internet and the Microsoft Teams app. Advocates are concerned that many low-income people will have difficulty participating in court hearings in the future.
  • Foreclosure sales halted until October 3, 2020: The Judicial Branch has issued an order postponing all upcoming foreclosure sales to October 3 in order to prevent the potential gathering of individuals at the auction site.
  • Serious mortgage delinquencies spiking among FHA borrowers. While overall forbearance requests have gone down as a result of some people returning to work and as a result of three-month forbearance periods expiring (including borrowers who obtained a forbearance under the Department of Banking’s program), mortgage delinquency numbers continue to rise. Homeowners with FHA mortgages – who tend to have low wealth and are disproportionately Black and Latinx – are becoming “seriously delinquent” (90+ days behind) at particularly high rates.

 

What we are hearing from our clients:

  • Tenants attempting to apply for TRHAP assistance are experiencing long wait times in getting through to someone who can take their application. Long wait times deplete minutes on pay-as-you-use phones.
  • The TRHAP program does not have a TTY line, making it difficult for people who are deaf or hard of hearing to apply for benefits.
  • Tenants continue to seek assistance on how to pay their rent when they have lost their income due to COVID-19
  • Tenants are being threatened with termination of their lease in response to the extended eviction moratorium
  • Landlords are raising rents in response to housing shortage cause by inflow of new residents into Connecticut and increased demand for socially distant student housing
  • Landlords are harassing tenants for rent
  • Tenants are being denied housing based on how many children they have
  • Tenants using housing subsidies to pay their rent continue to face source of income discrimination

 

Outreach

  • Addressing Racialized Trauma and Actively Engaging in Anti-Racism: Center staff is collaborating with partners from CCEH to host this free workshop on Thursday, July 30, 2020 from 12:00 pm – 1:00 pm. You can register for the webinar here.
  • Public Official Outreach: Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator Shaznene Hussain via shussain@ctfairhousing.org

 

  • Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at Shussain@ctfairhousing.org

Call to Action:  Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities: nearly 60% of Black renters and 55% of Hispanic renters are cost-burdened compared to people who are white. For more information on tenants’ demands and to sign the petition, click here. To participate in the daily actions on Mondays and Wednesday, click here.

 

 

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • Need to have your subsidized rent recalculated due to income loss? The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • To sign up for our weekly update fill out the form

 

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

Fair Housing Weekly Update on COVID-19

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

July 16, 2020

Tenant Rental Housing Assistance Program (TRHAP):  The Department of Housing’s rental assistance program began accepting applications on July 15. To apply for assistance, call 1-860-785-3111. For more information about the program, click here. To read the Center’s fact sheet about the program, click here. To report issues with the program, call us.

Temporary Mortgage Assistance Program (T-MAP):  CHFA’s program to assist homeowners who are unable to pay their mortgage as the result of income loss due to COVID-19 began accepting applications on July 15. To apply for assistance, call 1-860-785-3111. For more information about the program, click here. To report issues with the program, call us.

Eviction moratorium:  Executive Order 7DDD issued by Governor Lamont extended the eviction moratorium so that, except for serious nuisance cases or cases based on nonpayment of rent due before February 29, 2020, no notices to quit may be served until Saturday, August 22, 2020. Please read our FAQs about the moratorium here in English and in Spanish.

What happened since July 9, 2020:

  •   The Judicial Branch has issued an order rescheduling all foreclosure sales from July to September to October 3 to prevent the potential gathering of individuals at the auction site.
  • : Approximately 15% of Connecticut’s labor force, or between 240,000 and 320,000 people, are set to lose enhanced unemployment benefits at the end of the month. The state Department of Labor has provided over $1.8 billion in benefits since the COVID-19 pandemic began to affect the state, but about two-thirds of it, the $1.135 billion paid out in Federal Pandemic Unemployment Compensation, is set to expire the week ending July 25. The loss in benefits will not only lead to less money to spend on rent or mortgage payments but will also affect Connecticut’s economy as a whole. For more on the amount of money paid out by Connecticut in unemployment benefits, click here.
  • According to state numbers, Black and Latino residents are more than three times as likely to test positive for COVID-19 as white people. Black people are more than two and a half times as likely to die from the disease and Latinos are more than one and a half times as likely. These disparities have not improved as the pandemic has progressed and by some measures have actually worsened. For more on this, click here. Additionally, new research confirms that residential segregation is a primary driver of racial health disparities and, consequently, the high rate of infection among people who are Black. Read more about this here.
  • New mortgage delinquencies hit a record high in April, well above anything seen during the Great Recession. More than 3.4% of homeowners were at least 30 days delinquent on their mortgages. Mortgage delinquencies are among the first signs of a weakness in the housing market. For more on this story, click here. A new policy brief issued by the National Consumer Law Center finds the disparity in delinquency rates is greatest for Black families. Black communities have yet to recover from the rampant foreclosures of the Great Recession. As of the first quarter of 2020, the Black homeownership rate is 44% compared to 74% for whites. This is a slight increase from the last quarter where the rate sunk to 40.6%, a level not seen since the 1960s. The looming foreclosure crisis threatens to decimate Black homeownership and destroy wealth for generations. For more information, click here.
  • Housing markets are considered more or less at risk based on the percentage of homes currently facing possible foreclosure, the portion of homes with mortgage balances that exceed the estimated property value, and the percentage of local wages required to pay for major home ownership expenses. Among the top 50 counties most at risk were five of Connecticut’s eight counties including Litchfield, Middlesex, New Haven, Tolland, and Windham Counties. For more information, click here.
  •   A hearing on the lack of police action in response to a car that drove through a group of protesters will begin at 7 p.m. on July 21. The meeting will be held in the community room of the Police Department at 200 Saw Mill Road, West Haven. Those who do not wish to give testimony in person can submit their comments in writing. To read about the problems encountered by protesters and the rules for submitting testimony, click here.

What we are hearing from our clients:

Outreach

  • Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator shussain@ctfairhousing.org

Call to Action:  Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities. For more information on tenants’ demands and to sign the petition, click here. To participate in the daily actions on Mondays and Wednesday, click here.

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQ.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • here.  

More COVID-19 resources can be found on our websitehere.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

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