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What To Do When The Rent Is Too High
By Siddarth Nagaraj on June 8, 2011

stairwell-(1).jpgIt’s one of the most basic dilemmas confronted by those beset with troubled personal finances. Millions of Americans in debt must deal with the difficulty of paying their rent or else face eviction from their dwellings. The necessity of keeping one’s home precludes the option of eliminating rent payments from one’s budget, making the maintenance of a healthy rent success an indispensable goal. Nevertheless, it remains simply to difficulty for many to keep up with their payments. Once one accounts for further costs such as security deposits and additional housing expenses, eviction may appear inevitable to many who are already struggling to retain their homes. If you have having difficulty paying rent, you may be facing any of the above problems or others, but thankfully there are multiple options that you can pursue when seeking help.
The government (at the federal, state and local levels) provides many support programs that lend aid to those having difficulty paying rent. The U.S. Department of Housing and Urban Development (HUD) operates a number of schemes, ranging from alternative housing to assistance in overseeing litigation. The federally-run Legal Services Corp. provides free aid and legal counsel not only in cases related to eviction but other matters such as bankruptcy and domestic violence. Many of HUD’s programs help renters who are in danger of losing their homes find better housing options and/or pay security deposits and additional housing expenses that are necessary in order to satisfy landlord. One of the most prominent such options available to troubled renters is the Housing Choice Voucher Program (Section 8), which provides assistance in finding a place of resistance in addition to a voucher which can be used to pay the rent. The Department’s website lists housing that is applicable under the voucher program and maintains a directory of local government organizations that will also be able to help you. Some federal housing programs are directed towards specific segments of the population; poor rural farmers facing eviction from their land can seek aid through the U.S. Department of Agriculture Rural Development Rental Assistance Program while Americans who serve their country in uniform can look to the Veterans Affairs Supportive Housing Program for assistance in the form of vouchers and provision of security vouchers.

Poll: How much is your rent?
 
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Regardless of what program you utilize in order to keep up with your rent payments, it is always important to know what rights you have as a tenant. You should be aware of these even if you are able to make regular payments without difficulty, as no one can foresee when financial situations may take a change for the worse. Tenant laws with regard to private property are established and enforced at the state level, so conditions will vary across the country. In contrast, federally funded housing projects nationwide follow a set of regulations that specify the rights of tenants and terms of evictions. Regardless of what form of housing you use, you do have certain rights as a tenants and you can find out what protections and liabilities apply to you by looking on the Rental Assistance page of the Department of Housing and Urban Development’s website.

In conclusion, while support in finding affordable housing and paying rent is one of the most widely sought-after forms of assistance among those facing financial troubles, it is quite possible to receive the aid you need, whether you are looking for a new home or trying to keep your old one. There are myriad problems that we struggle with in everyday life; paying the rent shouldn’t be one of them.
For more assistance, see what local programs may provide help with rent.
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