Evicted for My Landlord's Convenience: Why is It Fair to Show Adversely on MY Credit Report?
Is renting the best option out there?
As a renter you are to follow certain guidelines so that your tenancy will be a pleasant one. The owner of the property you are renting from also has a guideline to follow. You make it a point to not only pay your bills on time; most people I know put the cost of rent first, making it a point to make sure the money needed for the rent is ready to be paid.
What can you do when your happy home is threatened by an eviction and it has nothing to do with money?
You made all of your payments on time or early. You are a good tenant, following all procedures that are expected. You care for your rental as if it were your own. Then one day you are delivered without warning a thirty-day notice. After which soon follows an eviction notice. You’ve done nothing wrong, but your landlord obviously has.
You later find out, your landlord had to foreclose on the property at which they resided. Now leaving them no choice but to evict you so they have a place to live, how is that fair or a better question: how is that even allowed by law?
Is this fair to you to fall victim to their circumstances?
• You must continue to make rental payments, and save money so that you will have the required amount of money to cover cost.
• If you are going to attempt to locate a new home through a broker, well then you better work a lot more hours.
• Brokers fee, usually the amount of the rental for one month. Or can be by percentage of yearly rent.
• Application fee, this fee can be $25. but go up to $150 per adult person
• Credit check and in some cases background check. Should not cost more then $20 to get a credit report.
• One month or two of security, which is usually in the amount of the monthly rental cost.
• First and last months rent.
Let’s not forget the movers, depending on what you have to move it can cost $500. Up to thousands of dollars. This is if you use a licensed moving company.
I have used both types and must say either are good. I have had no bad experiences as far as movers go.
I try to list on my site what I can to be helpful, because if you don’t know you can get robbed and not realize it.
My understanding of this is, the landlord is to produce certain fees to the individual they are evicting. When fault is not upon the tenant, I have not investigated that as of yet.
So now that an eviction is pending you must start your search for a new apartment.
Why is it okay for a potential landlord to check every aspect of your life but you can not check out their life behaviors? Are they not strangers as well, do they live life accordingly? I have the right to know whom I will be paying money, too.
The rules are different for whatever type of structure you live in. A private house, although great in thought, now in practice I regret the choice. Now an eviction hanging over my head. My preference now is to move to an apartment building. However, I have just found an apartment in yet another private house. My choices are limited; large management companies view your credit report and see an EVICTION, they will not look past it.
So although now I would like to live in a building, I have to subject myself to a private dwelling yet again.
In my search for a new home, I realized there is a big scam going on with real estate agents and or brokers. I made multiple phone calls and attended appointments at various real estates offices. I was told when calling they had an apartment I would be interested in viewing. When I arrived, I would fill out an application and make a payment for an application fee. This usually covers the charge for a credit check as well.
I would pay the fee then again inquire about the apartments available. Before they even process my application, I would be told those apartments are no longer available. They tell you, we have your information and will contact you when we get the new listings. Don’t dare request copies of your paper work or a receipt for money you just paid. It’s only $45.00 why do you need a receipt? If you ask for a copy of your credit report. they respond with, we do not give out copies.
Some would say yes, we have apartments available which meet your requirements. Do you have the required broker’s fee? We must collect the fee before we can show you the apartment.
Some of these real estate agents act as if they are Gods of sorts and prey on your circumstances. There needs to be a thorough investigation on these places.
There was also a write up in the NY DAILYNEWS, 9/23/09, about scams on a larger scale with brokers, etc. The Bronx borough president’s office got involved.
Be careful when searching for a new place to live in New York, it can cost you in ways you never thought possible.