There are several options for dealing with executory contracts in bankruptcy cases, each with its own implications. One of our experienced attorneys could help you understand the issues you face as you make your decision. Contact Allmand Law Firm today for guidance.

What Is an Executory Contract?

An executory contract is an agreement that has not yet been fulfilled. For example, if you agree to purchase an item with payment on delivery, the contract remains executory until the merchandise is delivered and you make payment.

Another type of executory contract involves an agreement where you and the other party maintain ongoing obligations to each other, such as:

• Residential leases
• Cell phone contracts
• Gym memberships
• Home security services with a monthly subscription fee

Early in filing for your Chapter 7 or Chapter 13 bankruptcy case, you have to decide whether you want to continue honoring these executory agreements. Talking with one of our attorneys could help you decide if it makes sense to continue with specific contracts.

How Bankruptcy Impacts Executory Agreements

Many contracts contain language saying that the agreement terminates immediately if one party declares bankruptcy, but these provisions may not be enforceable. According to the federal bankruptcy law under 11 United States Code § 365, you, as the debtor, have a choice about whether to continue with the contract, and the other party must continue to honor the current arrangement until you decide which option to pursue.

Assumption

You can assume the contract, which means you agree to honor its terms despite your bankruptcy. If you assume a contract, you must resolve any default. The other party is entitled to seek assurances that you will honor your obligations, so you may need to make a security deposit or get a co-signer.

Rejection

You can choose to reject the contract, which means you will no longer be required to perform under its terms. The other party may file a claim for damages with the bankruptcy court, and your outstanding balance would be treated like the other dischargeable debts in your case. An experienced attorney can help you understand the potential implications of rejecting a specific executory contract in your case. One of our attorneys could explain the potential implications of rejecting a specific executory contract in your bankruptcy case.

Assignment

If the contract does not benefit you during your bankruptcy, but may be of value to someone else, you may be able to assign it. This means that you would transfer the contract to someone who can handle its obligations. You may still owe a debt to the contract holder if you defaulted before transferring it over, but sometimes the person assuming the contract is willing to cure your default as part of the assignment.

Timing

The timeframe in which you must decide to assume, reject, or assign your contracts depends on the form of bankruptcy you choose. If you file under Chapter 7, you have 30 days from the filing date to make your choice and notify the bankruptcy trustee, who makes the final decision.

If you file under Chapter 13, you typically submit your proposed repayment plan, including your intentions regarding executory agreements, at the time of filing. The final ruling on repayment terms comes at a hearing that typically occurs two to three months after the filing date.

Call Us for Help With Executory Agreements in Your Bankruptcy Case

Debtors have a choice in how to handle executory contracts in bankruptcy cases. However, making your decision and persuading the trustee or creditor committee to accept it can be a complex process. If you need guidance, contact our team at Allmand Law Firm today.

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If you have received a foreclosure summons, a notice of acceleration, or a foreclosure date from your lender, the Fort Worth bankruptcy attorneys at Allmand Law Firm, PLLC may be able to help. From the date the foreclosure notice is sent, you could have as little as three weeks to save your home. For this reason, you will need to act quickly.

Ignoring foreclosure notices won’t make them go away. Similarly, falling further behind on your mortgage payments will only increase the risk of foreclosure. If you want to save your home, you should move quickly to secure the help of a skilled foreclosure defense lawyer. Contact Allmand Law Firm, PLLC today to request your free consultation.

How Allmand Law Firm, PLLC Can Assist You

Having helped tens of thousands of debtors throughout the Fort Worth area, Allmand Law Firm, PLLC has the skill, experience, and resources to help you fight the loss of your home. Whether you have already received a notice of foreclosure or you have started to fall behind on your mortgage payments, you can turn to us for the help you need.

If you are facing foreclosure, our firm may be able to help you:

• Stop, halt, or prevent foreclosure proceedings
• End your mortgage on favorable terms
• Avoid potential tax liability from foreclosure
• Lessen unsecured debt while keeping your home
• Minimize the impact on your credit history

Fight Foreclosure Through Chapter 13 Bankruptcy

There are several different foreclosure defense methods, including short sales, deeds in lieu of foreclosure, and filing for Chapter 13 bankruptcy. Chapter 13 is one of the most popular methods of fighting foreclosure because it allows you to repay your mortgage arrears over three to five years. If you stay current on your mortgage and pay back your arrears by the end of your bankruptcy, you should be able to keep your home.

Contact Our Board Certified Bankruptcy Expert

If you are facing the loss of your home, Allmand Law Firm, PLLC should be your next call. During a free financial empowerment session, we’ll help you understand your options.

How can you benefit from working with our team?

• We have helped tens of thousands of debtors in Texas
• We have more than two decades of collective experience
• Reed Allmand is a board certified bankruptcy specialist
• Our firm has been featured on CBS News, Fox News & ABC

Take control of your finances by enlisting the help of our Fort Worth bankruptcy lawyers. We are not here to judge – we are here to help you toward a better future.

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The complexity of your bankruptcy case.
The amount of time the bankruptcy attorney will be required to devote to the case.
Whether you are filing a Chapter 7 or Chapter 13 bankruptcy.
The amount of assets involved in the case.
And those are just a few of the determining factor. That’s why there is no one-size fits all for bankruptcy attorney fees. The cost for filing a bankruptcy involving $1 million in assets will not cost the same as filing a bankruptcy for $30,000 in assets.
The only way that a bankruptcy attorney can give a debtor an accurate fee quote is to sit down and discuss the bankruptcy case with the debtor. After discussing the bankruptcy case with the debtor, the bankruptcy attorney can discuss what assets can be used to pay the fees and other payment options that may be available.
Many debtors view bankruptcy attorney fees as just another bill; but that’s a huge mistake in perception. The fees paid for a bankruptcy attorney is an investment in your financial future.

The post I Know I Need A Bankruptcy Attorney–But I’m Afraid Of The Costs appeared first on Allmand Law Firm, PLLC.

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What Are the Benefits of Filing Bankruptcy?

Bankruptcy is a legal process that can help you manage your debts when they become overwhelming. You may be able to completely eliminate or restructure your debt so that it is easier to pay. Filing bankruptcy can also stop legal procedures such as repossession of your car or foreclosure on your house. Creditor harassment will also be stopped through the bankruptcy process.

Although you may be aware that bankruptcy is a logical choice for you, you may be unsure of whether to choose Chapter 7 vs. Chapter 13. A skilled attorney can help you understand the difference and start the legal process for you.

What Is Chapter 7 Bankruptcy?

Often called “liquidation bankruptcy,” Chapter 7 bankruptcy eliminates most of your debt quickly and efficiently. Unsecured debts, such as credit cards and medical bills, may be discharged completely. Secured debt, such as car loans and mortgages, may either be eliminated through liquidation of that property and payment to the creditor, or reaffirmed so you can keep your belongings.

You must qualify for Chapter 7 bankruptcy through a Means Test. The test will determine if your income is low enough and if you have little or no disposable funds. If you make too much money, you may not qualify for Chapter 7.

You may be considering Chapter 7 vs. Chapter 13 and be unsure of which is right for you. Consider the following reasons that you might choose Chapter 7 bankruptcy:

• You do not have enough income to repay your debts.
• You need to quickly manage your debts.
• Most of your debt can be discharged through bankruptcy.

If you would rather get out of debt quickly and start rebuilding right away, Chapter 7 may be right for you. By discussing your specific situation with a skilled Chapter 7 vs. Chapter 13 bankruptcy attorney, you can find out which options are in your best interests.

What Is Chapter 13 Bankruptcy?

Chapter 13 is often called “reorganization bankruptcy.” It allows debtors to develop a manageable repayment plan for debts so that they can retain their personal property while paying it off. Repayment plans often allow the debtor to reduce interest rates and eliminate late fees and penalties that may have been applied to past due accounts.

When considering qualification for Chapter 7 vs. Chapter 13, it’s important to know that Chapter 13 does not require proof of eligibility through a Means Test.

However, you must be able to show that you have sufficient income to repay your debts through a repayment plan. If you are unsure about whether Chapter 7 vs. Chapter 13 is right for you, consider the following reasons to file for Chapter 13 bankruptcy. You:

• Do not qualify to file for Chapter 7 through the Means Test.
• Want to repay your debts over time.
• Want to keep your nonexempt property.
• Would like to completely avoid foreclosure or repossession of your property.
• Have debts that cannot be discharged through Chapter 7.
• Have a codebtor or someone who has signed loans with you.

Chapter 13 will give you an option to restructure your debt into a manageable payment plan that you can repay over time. Instead of dealing with the situation quickly over the course of a few months, such as with Chapter 7, you can discuss options with creditors and retain your property as you repay them over a three to five year period.

How Long Does Chapter 7 vs. Chapter 13 Bankruptcy Take?

The timelines associated with Chapter 7 vs. Chapter 13 differ greatly. Because Chapter 7 basically eliminates all debt quickly, it can take between four and six months after you file the case. However, Chapter 13 requires completion of payments over a three to five-year time period. Thus, your bankruptcy will be complete in a much shorter time period with Chapter 7; however, Chapter 13 may allow you to retain more of your personal property.

The Bankruptcy Process: Chapter 7 vs. Chapter 13

The bankruptcy process is similar between Chapter 7 vs. Chapter 13. You must take the following steps for both types of bankruptcy:

• Take a credit counseling course within 180 days before filing bankruptcy
• File a bankruptcy petition in federal court
• Submit information about your debts, assets, income, and expenses
• Attend a 341 Meeting of Creditors with your attorney between 20 and 40 days after you file bankruptcy
• Complete secondary counseling within 45 days after the Meeting of Creditors

The major difference is that you will have to qualify for Chapter 7 through a Means Test, and you will have to show proof of sufficient income through a payment plan for Chapter 13. At the end of the bankruptcy process, your remaining debt will be discharged for both Chapter 7 and Chapter 13.

Differences Between Chapter 7 vs. Chapter 13

While both Chapter 7 and Chapter 13 bankruptcy can help you manage your debt and regain control of your financial future, the two bankruptcy chapters function differently. Some of the key differences between Chapter 7 vs. Chapter 13 include the process and characteristics of each.

Who Can File Chapter 7 vs. Chapter 13?

While individuals may file for either Chapter 7 or Chapter 13, businesses can only use Chapter 7. A sole proprietor operating a business with their own name connected to business debt may use Chapter 13. However, a business other than a sole proprietorship may not use Chapter 13.

Eligibility Differences Between Chapter 7 and Chapter 13

In order to qualify for Chapter 7 bankruptcy, you must qualify using a Means Test. Although there is no means test for Chapter 13, you still must qualify according to the amount and type of debt that you have. In order to file Chapter 13, you cannot have more than $394,725 of unsecured debt or $1,184,200 of secured debt. If you do not qualify for either Chapter 7 or Chapter 13, you may have to use another type of bankruptcy, such as Chapter 11.

How Long Does It Take: Chapter 7 vs. Chapter 13

One of the biggest differences between Chapter 7 and Chapter 13 is the length of time it takes to conclude the bankruptcy. Chapter 7 is a relatively quick process and can take four to six months. However, Chapter 13 typically takes three to five years to fully complete the payment plan.

What Happens to Property?

With Chapter 7 bankruptcy, you may be forced to liquidate, or sell, all of your nonexempt property in order to pay creditors. However, you get to keep most of your property in a Chapter 13 bankruptcy and repay creditors over time.

Getting to Start Over With Chapter 7 vs. Chapter 13

While you are able to start fresh with both Chapter 7 and Chapter 13 bankruptcy, you can get a quicker start with Chapter 7. With Chapter 13, you retain many of your debts for several years and still have to pay much of them back. However, Chapter 7 immediately eliminates most of your debt and you can start over.

It can be difficult to know if Chapter 7 vs. Chapter 13 is right for you. It’s best to consider all of the pros and cons of each type of bankruptcy and ask a knowledgeable lawyer about your options. By understanding your finances and how bankruptcy will impact you over time, you can make a positive decision about which chapter will work best for you.

Contact a Bankruptcy Lawyer When Considering Chapter 7 vs. Chapter 13

When deciding between Chapter 7 vs. Chapter 13, you should evaluate the pros and cons associated with both. A skilled bankruptcy lawyer can help you understand your legal options and guide you through the process. Allmand Law Firm, PLLC has helped countless clients achieve financial security by filing bankruptcy and managing debt effectively. Call us today at 214-974-3278 for a consultation to consider your options.

The post Chapter 7 vs. Chapter 13 Bankruptcy appeared first on Allmand Law Firm, PLLC.

In a Chapter 13, you may be able to repay your debts while retaining your property. You also don’t have to endure the never-ending cycle of debt payments, fees, and interest charges. You can start fresh after a few years of properly managed debt repayment. Call Allmand Law Firm, PLLC, today to find out more about the benefits of Chapter 13.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often called “reorganization bankruptcy,” allows you to organize your debt into a manageable payment plan that usually lasts three to five years. Although you will be repaying some of your debt, that which is not paid off may be eliminated in some circumstances at the end of the payment plan. You have many options for managing your debt in a Chapter 13 plan.

Benefits of Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

Chapter 7 bankruptcy, often called “liquidation bankruptcy,” is quite different from Chapter 13. With Chapter 7, you may be required to liquidate, or sell, your assets and property to repay debts. However, Chapter 13 allows you to keep most of your property. Additional benefits of Chapter 13 over Chapter 7 include the following:

You Can Avoid Foreclosure With Chapter 13

One of the biggest benefits of Chapter 13 includes the avoidance of foreclosure. When you file, an automatic stay will stop foreclosure proceedings immediately. Then, you may make up for missed payments on home mortgages. Those missed payments may be rolled into your total debt amount, or you may renegotiate the terms. Chapter 7 does not allow you to make up for missed payments.

Your mortgage payment may be included in your debt payment plan, and you will have a longer period of time to make reasonable payments. Your payments will be based on your disposable income and monthly budget amount. With Chapter 7, you may lose your home if you’re unable to afford payments.

You Can Avoid Repossession of Your Property With Chapter 13

Chapter 7 bankruptcy expects you to sell much of your property to repay debts. However, Chapter 13 allows you to keep that property, including cars and more. Your payments will be rolled into a payment plan that lasts for three to five years, and you will have an opportunity to catch up on past due payments.

Chapter 13 Will Only Show on Your Credit Report for Seven Years

Another of the benefits of Chapter 13 vs. Chapter 7 is that Chapter 13 will be reported on your credit report for a shorter period of time. Chapter 13 is reported for seven years, and Chapter 7 is reported for 10 years. This gives you three more years to rebuild credit without bankruptcy on your report if you use Chapter 13.

Your Income Won’t Disqualify You From Filing Chapter 13

While you must pass a Means Test to verify that you don’t make too much money to qualify for Chapter 7, one of the benefits of Chapter 13 is that you don’t have to make a certain amount of income. If you don’t qualify for Chapter 7, you will likely qualify for Chapter 13. Although there are limits on the amount of debt you can have to file Chapter 13, there are no limits on your income.

Other Benefits of Chapter 13

You don’t have to be embarrassed if you file for bankruptcy. Many people use Chapter 13 to reorganize and continue meeting payment obligations in a more manageable way. Some other benefits of Chapter 13 include the following:

You Can Reschedule Secured Debts

If you have secured debts that are connected to property, then you can extend payments over a longer period of time.

This will allow you to lower payments and make them more manageable for you. You can include secured debts in your overall payment plan, and the bankruptcy trustee will allow you to propose a monthly payment amount based on your monthly budget. This will allow you to keep your property that is connected to secured debt, while paying for things in a way that benefits you.

You Can Reorganize Non-Dischargeable Debt Through Chapter 13

Many people seek Chapter 13 because they have debt that cannot be discharged. If you owe arrears on alimony or child support, or have past due taxes, you may not be able to discharge them. However, you can include these debts and others in a payment plan through Chapter 13 bankruptcy. You can pay these debts in full over three to five years and become debt-free.

Chapter 13 Protects Your Co-Signers

One of the benefits of Chapter 13 is that you don’t push all of your debt onto your co-signers. You will be retaining responsibility for your debts, but simply reorganizing them. If you file Chapter 7 or discharge the debt from your responsibility, then the creditor may go after your cosigners. If you have signed a loan with a friend, family member, or business partner, this can create strained relationships. By filing Chapter 13, you can avoid this situation and retain responsibility for the debt.

You Don’t Have Direct Contact With Your Creditors

If you are in debt and have gotten behind on payments, then you likely have dealt with creditor harassment. The phone calls and letters you receive can be embarrassing and stressful. One of the benefits of Chapter 13 is that you will no longer have to deal with this creditor contact. Your creditors will be paid according to the Chapter 13 payment plan, and your bankruptcy attorney or bankruptcy trustee will manage the payments and other contact with the creditors.

Learn More About the Benefits of Chapter 13

The benefits of Chapter 13 can help you become debt-free and start your financial life again with a clean slate. If you have questions about Chapter 13 or how it can help you, contact Allmand Law Firm, PLLC today.

The post What Are the Benefits of Chapter 13? appeared first on Allmand Law Firm, PLLC.

Below are ways that Texans can do their part to help keep our home clean, both on Earth Day AND all year long.

Earth Day Celebrations

Earth Day Texas – Dallas

When: April 22-24, 2022

Where: Kay Bailey Hutchison Convention Center

Time: 10 am – 6 pm

Description: “The mother of all eco expos is held on three days and attracts thousands of visitors to Fair Park. Hundreds of exhibitors will be on hand, including environmental non-profits, businesses, academic institutions and government agencies aiming to raise the environmental consciousness of North Texans. There is also a full schedule of speakers, demonstrations and films at this free fest founded by Dallas philanthropist Trammell S. Crow.”

Website: https://earthx.org/activities/

Plant A Seed For Earth Day – Fort Worth

When: April 22, 2022

Where: Fort Worth Public Library

Time: 4 pm – 5 pm

Description: “At your library, you have a fun space for creativity and development. Bring and friend and learn how to care for it and see how a plant grows. As a destination for discovery, your Fort Worth Public Library is a location for learners of any age. This is a free event!” (Perfect for families!)

Website: https://newsroom.heb.com/event/plant-a-seed-for-earth-day-fort-worth-public-library/

Earth Day at Woodlawn Lake Park – San Antonio

When: April 23, 2022

Where: 1103 Cincinnati Ave. (Woodlawn Lake Park)

Time: 10 am – 2 pm

Description: “Celebrate Earth Day 2022 with San Antonio Parks and Recreation! This fun-filled event will feature over 50 environmental organizations, hands on family activities, free tree adoptions, engaging dance and musical performances, and lots more! Connect with representatives from local organizations whose work focuses on conservation, take a free Fitness in the Park class, and enjoy a healthy treat from one of our food vendors.”

Website: https://www.sanantonio.gov/ParksAndRec/News-Events/Earth-Day

Earth Day ATX 2022 – Austin

When: April 23, 2022

Where: Huston-Tillotson University

Time: 12 pm – 6 pm

Description: “Earth Day Austin is the largest sustainability event in Central Texas. On April 23, 2022, thousands from the Austin Area and beyond will come to learn about conservation and sustainable solutions, celebrate our love for the environment, and get connected to the best and most innovative green businesses and organizations. Your business or organization should be right in the center of it. With family and friends, attendees explore rich, in-depth programming, exciting new activities and engaging exhibitions that allow them to discover new connections to the environment and environmental issues. Inspired by their experiences and interactions, participants are empowered to make new sustainable choices that enhance their lives while helping the planet.”

Website: https://earthdayaustin.com/for-exhibitors-2-2/

____________________________________________________________________

Earth Day, Every Day!

Groundwork Dallas – Dallas

When: Every Saturday

Where: Event locations changing constantly. Click here for location.

Time: 9 am – 12 pm

Description: Join Groundwork Dallas every Saturday to help protect and clean Dallas!

Website: https://greensourcedfw.org/events/groundwork-dallas-parks-cleanup-volunteer-opportunity-dallas-every-saturday

Organize A Litter Cleanup – Fort Worth

When: Can be whichever date you choose

Where: Can be whichever location you choose

Time: Can be whichever time you choose

Description: “Keep Fort Worth Beautiful supports volunteers by providing them with trash bags and gloves, which helps in their efforts to clean litter and have a positive impact on their community. KFWB typically provides the following supplies for a standard two-hour cleanup:

• One bag per adult volunteer
• One bag per two youth volunteers
• Gloves for all volunteers
• Equipment to help any volunteers who are elderly or who have disabilities (available upon request)”

Website: Create your littler cleanup here: https://www.fortworthtexas.gov/departments/code-compliance/kfwb/initiatives/litter

San Antonio River Authority – San Antonio

When: Can be whichever date you choose

Where: Can be whichever location you choose

Time: Can be whichever time you choose

Description: “Every year, the San Antonio River Authority, City of San Antonio, Bexar County, other governmental agencies, and volunteers pull tons of trash out of area creeks and rivers. A piece of trash you see on the sidewalk in your neighborhood or on the ground at an area park will likely end up in a local waterway. You can help make a difference. Don’t let litter trash your river!”

Website: https://www.sariverauthority.org/trash-initiative/volunteer-toolkit

Keep Austin Beautiful – Austin

When: The 2nd Saturday of every month

Where: Event locations changing constantly

Time: Event times changing constantly

Description: “We inspire and educate all Austinites to volunteer together, beautify green spaces, clean waterways, and reduce waste every day. Keep Austin Beautiful empowers people to care for the environment by providing community resources, education, and volunteer opportunities.”

Website: Must register here per event: https://keepaustinbeautiful.org/volunteer-opportunities/

The post How Can Texans Celebrate Earth Day? appeared first on Allmand Law Firm, PLLC.

His roles in The Social Network and The Amazing Spiderman brought Garfield fame and success, but his family had not always been so financially fortunate. Garfield looks back on those finacial struggles and views them in a somewhat positive light because he and his family were fortunate enough to learn important life lessons came from those struggles.

When Garfield was about 12 years old, his father became bankrupt. Garfield claims it was the best thing to happen to their family because his father “…realized all the people he loved were still there… his wife, his kids, his friends, himself. He was brought to his knees and totally humbled, and then he started doing more of what he was called to do.”

His father then went on to do what he loved: he became a swimming coach at a local club in Surrey, England.

Seeing what his father went through taught Garfield a very valuable life lesson. “My main goal in this life is to cultivate and rub up against the people, the places, the projects, the practices — that’s alliteration there with the p’s — that make me feel most alive”. Seeing his father burdened financially and come out of it a happier person is what gave Garfield his drive to take up passion projects.

This passion he accumulated displays in his successful career. In his 15+ year long career, Garfield has obtained hundreds of nominations including two Academy Award Nominations and has won several awards including a Golden Globe award & Tony Award.

Garfield & his family are proof that some people just need a second chance.

The post Andrew Garfield Claims Bankruptcy Was The “Best Thing” That Happened To His Family appeared first on Allmand Law Firm, PLLC.

“If you are a renter having trouble paying your rent or a landlord who has lost rental income due to challenges presented by the COVID-19 pandemic, help may be available. Through funding from the U.S. Department of the Treasury’s Emergency Rental Assistance (ERA) program, there are a wide variety of state and local programs that offer assistance—including financial assistance—to those who are struggling to make ends meet. Provided below are links to learn more about ERA programs in your local area, including how they work and who is eligible, as well as other important information to help you navigate these difficult times. ERA programs can vary based on locale since flexibility is given to states to develop programs that best suit the needs of their communities.

For more general information on assistance programs, visit: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/

For ERA program links in your local area, visit: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/renter-protections/find-help-with-rent-and-utilities/

To get answers to frequently asked questions, visit:

For Renters: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/renter-protections/emergency-rental-assistance-for-renters/

For Landlords: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-landlords/

To talk with a no-cost Department of Housing and Urban Development-approved housing counselor who can help you understand your options, make an action plan, and even help you apply for rental assistance, call (800) 569-4287 or visit https://www.consumerfinance.gov/find-a-housing-counselor/.”

Para la versión en español, haga click aquí.

The post Emergency Rental Assistance Program- UPDATE appeared first on Allmand Law Firm, PLLC.

Si usted es un inquilino y está teniendo problemas para pagar el alquiler o es un propietario que ha dejado de devengar ingresos de alquiler debido a los retos presentados por la pandemia de COVID-19, podría recibir ayuda. Por medio de fondos provenientes del programa de Asistencia de Emergencia para el Alquiler (ERA por sus siglas en inglés) del Departamento del Tesoro de EE.UU., existe un sinnúmero de programas locales y estatales que brindan ayuda, incluso asistencia financiera, a aquellas personas que estan luchando para llegar a fin de mes. A continuación encontrará los enlaces para recibir más información sobre el programa ERA en su región, incluyendo cómo funciona y quién puede recibir ayuda, al igual que otra información importante que podrá ayudarle a superar estos momentos difíciles. El programa ERA puede variar según la región, ya que los estados tienen la flexibilidad de adecuar los programas a las necesidades de sus comunidades locales.

Para obtener más información sobre los programas de asistencia, visite: https://www.consumerfinance.gov/es/coronavirus/asistencia-hipotecas-y-viviendas/

Para los enlaces del programa ERA en su región, visite: https://www.consumerfinance.gov/es/coronavirus/asistencia-hipotecas-y-viviendas/protecciones-arrendatarios/encuentre-ayuda-para-pagar-renta-y-servicios/

Para encontrar respuestas sobre las preguntas más frecuentes, visite:

Para los inquilinos: https://www.consumerfinance.gov/es/coronavirus/asistencia-hipotecas-y-viviendas/protecciones-arrendatarios/asistencia-de-emergencia-a-inquilinos/

Para los propietarios (en inglés): https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-landlords/

Para hablar sin costo alguno con un asesor de vivienda aprobado por el Departamento de Vivienda y Desarrollo Urbano sobre sus opciones, un plan de acción o ayuda para solicitar la asistencia de emergencia para el alquiler, llame al (800) 569-4287 o visite (en inglés) https://www.consumerfinance.gov/find-a-housing-counselor/.

For the english version, click here.

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