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Eviction vs Termination of Tenancy
Make sure you know the difference!
When filling a housing application the question is often asked, “Have you ever been evicted?” Landlords ask this question to determine whether or not you will be a risk to them as a tenant. Negative rental information, such as late or missed rental payments and evictions, can have a huge impact on your ability to find rental housing, get a loan, and other opportunities. The impact is even more devastating when the information is wrong or misleading.
Before answering yes, it is important to understand the difference between “eviction” and “termination of tenancy.”
Eviction is the legal procedure used when a landlord wants a tenant to move out of an apartment. A tenant is not “evicted” until the entire court process is completed, a judge issues an order, and the order is delivered to the tenant.
Examples of what IS NOT an eviction:
- Non-renewal of lease
- A notice to terminate with nothing filed in court
- Any eviction that DOES NOT go through a court process
- Illegal evictions (for example, a landlord attempts to remove a tenant by shutting off the utilities, changing the locks, or moving a tenants belongings out)
Sometimes people refer to a non-renewal of a lease as an eviction. Because the language around eviction is unclear, the terminology often gets used interchangeably, sometimes even by reputable news sources.
Some applications ask: “Have you ever been evicted or have any eviction proceedings ever been started against you?”
This can be unclear to applicants. What constitutes “any eviction proceedings”? Termination notice or actually filing a Summons and Complaint in court? Answer yes only if there has been a filing in court that actually starts a legal eviction.
Using the correct terminology around eviction and termination of tenancy is critical to ensuring housing opportunities for ALL renters.
This is particularly important for Vermonters who face high rates of discrimination, who are at greater risk of being illegally evicted and already face barriers to accessing housing in Vermont.
Resources:
For immediate housing needs, call 211.
If you may be at risk of eviction, seek help now. Call Vermont LegalAid 1-800-889-2047 and our Vermont Tenants Hotline (below).
Have housing questions or concerns? Contact the CVOEO Housing Advocacy Team:
- VERMONT TENANTS HOTLINE: (802) 864-0099, vttenants@cvoeo.org
- PREFERRED RENTER CERTIFICATES + CLASSES: www.cvoeo.org/rentright
- MOBILE HOME PROGRAM HOTLINE: (802) 660-3455 x 204
- VERAP APPLICATION SUPPORT (Vermont Emergency Rental Assistance Program – mobile home lot rent + utilities: (802) 881-6820
- FAIR HOUSING PROJECT: Rights & Responsibilities Education, Community planning resources for affordable, inclusive housing, (802) 660-3456 • fhp@cvoeo.org
- WEBSITE: www.cvoeo.org
The Vermont eviction moratorium expires on July 15, 2021 and the federal CDC eviction moratorium expires July 31. This does not mean that you can be removed from your rental unit right away. You cannot be evicted from your home without a court process. Read more here and contact Vermont Legal Aid for help.
Are you struggling to pay for housing costs due to economic hardship related to the COVID-19 pandemic? You may qualify for help from new assistance programs! If you are a renter, check out the Vermont Emergency Rental Assistance Program (VERAP). If you are a homeowner, click to learn more about the Mortgage Assistance Program (MAP).
Just cause increases household health and stability
This is part of a series of commentaries by CVOEO and Vermont Legal Aid in support of Just Cause Eviction policy. The series includes:
- No Cause Eviction Law is an Unjust Law by CVOEO Executive Director Paul Dragon
- Just Cause is a Racial Justice Issue by Devon Ayers and Erika Johnson of Vermont Legal Aid’s Housing Discrimination Law Project
By Housing Navigator Ryan Murphy and Director Sandrine Kibuey, Housing Advocacy Programs, CVOEO
Thousands of Vermont renters live day-to-day, in precarious housing, uncertain of how they will be able to make ends meet and afford the rent, buy food, or put gas in their car to get to work. It is a constant struggle and COVID-19 has deepened the impact of these daily struggles. The state and federal eviction moratoriums have provided temporary relief to many tenants, but the fear of being evicted is nonetheless real. And on top of it all, the question about why and when is also a great source of stress as a “no cause” eviction is a possibility for all tenants living in Vermont.
Vermont housing law allows landlords to evict any tenant for any reason with as little as 90 days’ notice and no-cause eviction is particularly worrisome for families, older Vermonters, as well as people of color. For many, this experience has been one of extreme consequences; here are a few examples.
Maintenance complaints and retaliation
Jeffrey and his partner, Abigail, received a no-cause lease termination notice this winter after almost a decade in the same home. He was not totally happy with the apartment as the heat had been cutting out, the wooden floors splintered his kids’ feet, and the driveway iced over so badly that he had once fallen and broken his leg.
Jeffrey had verbally complained to the landlord about these issues many times and he even had a few records of his complaints in his email outbox and ‘sent’ text messages. His landlord lived down the block, and Jeffrey felt that hand-delivering a letter, or sending one via certified delivery, might come off as petty and antagonizing but finally decided to send one.
It was hard not to feel like the eviction notice had come as retaliation for frequent repair requests. In Vermont, landlords are prohibited from practicing this kind of retaliation, but there is no mechanism to stop them from delivering no-cause termination notices. If the landlord’s case against Jeffrey went to court, Jeffrey might stand a chance of winning. Because of COVID, though, eviction cases are “stayed.” Technically, Jeffrey and his family could stay in the apartment until the end of the moratorium, but then they could risk getting an eviction for cause as holdover tenants and ruin their housing history for a long time.
It was clear to Jeffrey and Abigail that they needed to line up a new place to live. After weeks of scouring the internet for available, affordable apartments around Burlington, they made the difficult decision to put down a deposit on a place in a neighboring state. They did not see the benefit of engaging in a big fight to stay in a home that would still need many repairs and a landlord resenting them, refusing to address these habitability issues.
From stability to eviction
On the last day of 2020, John’s family received a no-cause lease termination notice. It was yet another difficulty in a challenging year. John imagined trying to explain his current situation to the person he’d been only 12 months ago.
In March, John had been furloughed from his lucrative job as a contractor, and then he had been let go entirely. His job had been the family’s sole source of income. John had always made enough money to take care of himself, his wife, and his kids. Despite his job loss, he was grateful that he had enough in his financial safety net to keep current on rent for a couple of months until the pandemic ended.
A couple of months turned into a few, so John and Michaela applied for the Rental Housing Stabilization Program. They’d never had to apply for any kind of assistance before, but the deal was too good to pass up. The money would cover four months’ rent in full as long as their landlord agreed to sign their application. The landlord did agree to sign it, but in doing so, saw that the couple was in dire financial straits.
John finally found work again, though at a lower salary. His paychecks went towards paying off past-due medical bills and the credit cards that had been maxed out buying groceries and gas. Interest kept accruing and so many creditors called that he and Michaela couldn’t tell which were legitimate and which were scammers.
Then then the car got repossessed. John’s credit score took a 100-point nosedive. He still needed to get to work and couldn’t deal with another monthly debt payment, so he found a car on Craigslist and bought it outright. Registration, titling, and inspection would cost the equivalent of 16 hours’ pay assuming that nothing needed repair.
Then, in December, he was holding a piece of paper that ordered his family to pack up and leave in 90 days. In agreeing to the Rental Housing Stabilization Program, John’s landlord had agreed not to evict him for nonpayment, but there were no protections against no-cause eviction. There was also a statewide eviction moratorium, but it was slated to end two weeks before the day the needed to be out. Although John’s family could only be forced to leave their home through a court order, staying in their home past the date on the eviction notice could cause them to be evicted for cause as holdover tenants.
With a low credit score, low income, and an eviction proceeding hanging over their heads, John was not hopeful about their prospects. It was completely defeating. He had never worked so hard in his life, but the more he tried to keep his family afloat, the more they only seemed to get further underwater.
Eviction is a traumatic event with lasting effects on a person and family’s emotional, social, and physical well-being. These conditions affect a person’s ability to lead a healthy life and deepen health disparities. Voting “yes” for just cause eviction would offer renters a modicum of security by requiring landlords to provide a good reason for evicting their tenants. Just cause would increase overall housing stability, which leads to stronger and more vibrant communities.
To learn more about this issue, view the Feb. 26 Fair Housing Friday webinar.