The COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020

Emergency Eviction and Foreclosure Prevention Act
Apply for Emergency Rental Assistance Program (ERAP)

The COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020 ensures New York renters and homeowners impacted by the COVID-19 pandemic can safely remain in their homes. The act suspends eviction and foreclosure proceedings to give renters and homeowners the opportunity to submit a hardship declaration. The moratorium, as well as the Protect Our Small Business Act have been extended to August 31 2021. Applications to the Emergency Rental Assistance Program (ERAP) are being accepted.

If you face eviction or foreclosure from loss of income or increased costs due to the COVID-19 pandemic, select and submit the applicable hardship declaration below.

New York State Emergency Rental Assistance Program (ERAP) Read More

The New York State Emergency Rental Assistance Program (ERAP) provides economic relief to low and moderate-income households at risk of experiencing homelessness or housing instability by providing rental arrears, temporary rental assistance, and utility arrears assistance. Applications will be accepted starting June 1, 2021, at 9 a.m.

Apply or learn more about eligibility and documentation needed at OTDA.gov.

Declaration of Hardship (Renters) Read More

Renters who have lost income, are unable to pay increased costs, or are unable to move without significant risk to their health or the health of a family member, can declare hardship and protect themselves against eviction until August 31, 2021.

Tenants should sign and deliver to their landlord a hardship declaration form.

For the duration of hardship, tenants can not be evicted for nonpayment of rent, or for remaining in the property after the expiration of your lease. Persistent behavior that puts other tenants or occupants at risk are grounds for eviction.

Declaration of Hardship (Owners) Read More

Homeowners who have lost income, or are unable to pay increased costs because of the COVID-19 pandemic, can declare hardship and protect themselves against foreclosure until at least  August 31, 2021.

Homeowners should sign and deliver to their mortgage lender or other foreclosing parties a hardship declaration form. If you have been provided this form by your mortgage lender or another foreclosing party they must also provide you with a  mailing address and e-mail address to which you can return this form.

If you are already in foreclosure proceedings, sign and return this form to the court. Keep a copy (or picture) of the signed form for your records.

Homeowners are responsible for any unpaid mortgage payments and fees to your mortgage lender. Keep records of what you have paid and owe.