Archive for the ‘COVID-19’ Category

I Worked Out A Fair “Win-Win” Payment Plan With My Landlord

Thursday, August 13th, 2020

 

My Landlord Cooperated With Me 

These are difficult times for everyone. So many people are out of work and many have even been fired from their jobs!

The pandemic has changed the world and has hurt so many people.

And with all the schools closed many parents have to try to educate and entertain our children. This is especially tough when we can’t go to parks or playgrounds.

Landlords And Tenants And Paying Rent

As a long term tenant I have paid my rent according to the lease with my landlord all the time.

Now things have changed, the economy has changed, the whole world has changed due to the Corona Virus.

Economic Challenges

We tenants have lost hours, lost jobs, and even lost hope. This is a unique situation we have never seen before.

So How Should Tenants Deal With Their Landlord?

It’s all about being upfront and honest and working together.

Inform Your Landlord Of Your Predicament

Be open and honest with your small landlords because they will care and understand the challenges you face.

Most small landlords are nice people…they don’t want you to move (at least in my case). And they are willing to listen. And they are often flexible to reach a win-win situation.

Also, they don’t want to try to find a new tenant to replace you if possible. They want you to stay and hope you are willing to work with them.

See Things From The Landlords Point of View And Ask Them To See Things From Your Point Of View

Most small landlords are not like the rich corporate landlords living in their castles. They want you to stay and be their client.

They also know that finding another good paying tenant in the current environment will be very difficult and would prefer you to stay.

So it’s entirely possible to ‘work things out’.

Work Out A Payment Plan

I worked out a fair payment plan with my landlords.

Since I only get $2000/month from CERB and my rent is $900/month we agreed I would pay $500/month and I would catch up when the pandemic is over and I can get back to work.

This allows me to have confidence I will keep my home and also gives me $1500 for other things I need in life (and I still don’t need to dip into my savings!)

Working Together…Works!

View your small landlord as a partner in this whole crazy mess of a world.

Your small landlord likely rented themselves or have friends or kids renting so they are on your side. They might even be helping their kids or relative or friend who is renting deal with this situation.

Working Class Tenants Working With Working Class Landlords is Key

Many working class landlords aren’t rich and have bills to pay. They are usually pretty kind and flexible and if you be polite and tell them you want to work things out they will do it.

Make sure you rent from a small working class landlord because you can talk to each other and prepare win-win plans.

Stay Safe and Let’s All Work Together

Ontario Landlord and Tenant Board is OPEN!

Saturday, August 1st, 2020

After A Painfully Long Wait The Landlord & Tenant Board Is Open

Many small landlords have felt incredibly frustrated and rightfully angry as the Landlord and Tenant Board was closed for most cases such as non-payment of rent.

Most of us have full time or part time jobs that help us survive. Like others, we too suffered job losses, no school for our children, lock-downs and were worried about our loved ones being safe.

We also had our rental properties to deal with.

Small Ontario Landlords Finally Can Take Action Against Non-Paying Tenants

Ontario Landlord and Tenant Board Is Open

Here are the rules for the opening.

As of August 1st, 2020 the Landlord and Tenant Board Will:

(1) Begin to issue eviction orders that are already pending

(2) The LTB will begin to issue consent eviction orders that are based on tenants and landlords deciding to settle issues with an agreement.

(3) LTB will remain hearing ‘urgent’ matters that are related to health and safety issues that have already been scheduled.

(4) Begin to schedule hearings for non-urgent evictions.

(5) Start non-urgent hearings starting in the middle of August and into autumn.

As the LTB gradually re-opens it says it will make their services stronger:

(1) They will begin holding hearings by phone, video software and in writing

(2) The LTB is encouraging tenants and landlords to try to reach a settlement before applying for a hearing

(3) Using what are called “Case Management Hearings” for applications that don’t include rent owed

(4) Hiring and training more adjudicators

We will be watching what happens and encourage our members to share your feedback with us that we will share with the LTB and the Ministry.

Got Questions? Need Help?

With all the changes happening and after months of chaos we are here to help.

We have thousands of members and many very experienced and successful. This is why we exist…to help small landlords and get our message heard.

So instead of just complaining to each other about how unfair things are, or listening to people who aren’t successful, our members work to come up with winning landlord solutions.

And unlike people who don’t even own rental properties, we’ve got ‘skin in the game’ and find real world solutions because our incomes depend on it.

All for a one time registration fee that includes huge discounts on key services.

The Ontario Landlord and Tenant Board is Finally Re-Opening!

Make Sure You Know The Ropes And Run A Successful Rental Business By Running Credit Checks, Criminal Checks and Having A Network Of Successful Landlords On “Your Team”!

Bill 184 – The “Tenant Slaughter And Un-Protection Act”

Tuesday, July 21st, 2020

Disclaimer: “This isn’t an attack on landlords. This is an attack on the system that got us here.”

“Let’s make a payment plan. Let’s avoid the LTB, work together (tenant signs)….GOT YOU… Hahaha I can now evict you fast, you have no legal rights now! SUCKER! The Sheriff is coming now to kick you out!”

Tenants need to be aware of the huge challenges we are soon going to face!

While the Premier has acted all kind and cuddly (like that fat drunk uncle we all see during the holidays who laughs as he passes gas and then beats your aunt to bloody pulp when they get home) it’s only an act.

The reality is those of us who rightfully didn’t pay rent (or full rent) are being prepared for the slaughterhouse (legally)!

It’s called Bill 184 and you can bet it will soon be the law and the slaughter of tenants will begin.

The government will not forgive tenants not paying and instead are going to demand tenants agree to “payment plans” that bypass the legal process of going to the Landlord and Tenant Board for a legal Hearing (where tenants have rights and free legal help)

The NDP came up with a plan to help tenants cover rent by using government funds to help during the horrible pandemic.

Even some landlord groups such as the Ontario Landlords Association proposed this as a way for tenants and their landlords to avoid conflict and avoid evictions.

Lots of other industries have received government support, so why not residential tenants and their landlords?

No, that would have been too easy and too nice. Why be nice when they want a slaughter and I think they enjoy seeing us suffer!

Suze Morrison is an NDP MPP who wants to protect tenants. Morrison is very aware of the reality and the coming avalanche of mass evictions based on landlords legally being able to trick tenants into forfeiting our legal rights.

Thousands of tenants in Ontario are lying awake at night, worrying about losing the roof over their head when the province’s weak pause on the enforcement of evictions ends.

They wouldn’t be this position if Doug Ford had answered the NDP’s call to provide a rent subsidy to tenants who have lost income or their job due to the COVID-19 pandemic, but here we are.

As if this wasn’t bad enough, the Ford government has found a way to make things even worse.

Now, in the middle of the pandemic, the Conservatives are attempting to quietly ram through legislation that will make it easier for landlords to evict tenants.

Don’t be fooled by the name of the legislation. Bill 184, the Protecting Tenants and Strengthening Community Housing Act, is bad for tenants.

Tenants already faced an uphill battle at the Landlord and Tenant Board, squaring off against often deep-pocketed landlords and their high-priced lawyers. If passed, Ford’s eviction bill will leave tenants with fewer defences to avail themselves of and fewer opportunities to plead their case.

Consider the case of a landlord who refuses to fix a malfunctioning radiator in a tenant’s unit. If the tenant withholds their rent, the landlord can haul them in front of the Landlord and Tenant Board.

Under Bill 184, the tenant may be prevented from pointing out other issues, like the landlord’s failure to maintain the unit in a good state of repair, at the hearing on non-payment of rent.

Bill 184 also takes away a tenant’s right to return to the Landlord and Tenant Board if they miss a payment after coming up with a repayment plan to catch up on back rent. This is especially concerning in the context of the pandemic.

Thousands of tenants in Ontario will be trying to catch up on back rent after losing their income or job. What if they feel pressured to accept a repayment plan and fall behind on payments despite their best efforts? What if their financial circumstances change because there’s a second wave of COVID-19?

Under Bill 184, there’s no opportunity to revisit the repayment plan at the Landlord and Tenant Board. Tenants could find a sheriff knocking on their door, ready to enforce their eviction, the second they miss a payment.

The Ford government can claim that its eviction bill is about “protecting tenants” all it wants. But even Steve Clark, the minister of Municipal Affairs and Housing, admits that the legislation is about moving things along at the Landlord and Tenant Board when the government switches the lights back on.

In this very paper, he wrote: “We know that when regular hearings resume at the LTB, there will be a backlog of cases requiring resolution. That’s why this legislation is important today — in light of COVID-19.”

Yes, there will be a backlog of cases. The enforcement of evictions may be on hold for now, but that hasn’t stopped landlords from threatening tenants with eviction — even for partial rent payments.

And what is the Ford government doing with thousands of evictions on the horizon in Ontario? Instead of helping tenants keep up with rent, and in turn ensuring landlords get paid, the government is greasing the gears of the Landlord and Tenant Board to speed up evictions.

Tenants deserve better than a government that claims it’s protecting them when it’s really making them more vulnerable to losing the roof over their heads.

It’s time for the Ford government to scrap its plan to make evictions easier and step up with rent relief to help see tenants through the economic pain of COVID-19.

Saturday, May 30th, 2020

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I Took Mercy On My Landlord And Saved Them From Bankruptcy – But With Conditions

Monday, May 11th, 2020

Treat Tenants Like the VIPs!  You Need Our Rent Money!

I’m Proud To Have Helped My LL Survive & Not Go Bankrupt

When our premier announced that tenants do not have to pay rent during this horrible crisis tenants face I immediately felt better.

It was nice to know the government understood what I was dreading and said there will be “NO EVICTIONS” until the crisis is over. With businesses closed and workers being laid off, how could we pay the rent for the next six months or more?

I saw on FB and on signs in my area that many Tenants in financial trouble were saying we didn’t have to pay rent at all.  The reason is because we can’t be evicted we didn’t have to pay rent.

So If You Don’t Pay Rent Nothing Happens?

This sounded almost too good to be true. I didn’t have to pay any rent for the next few months or more…maybe up to year.

The premier also said tenants should only “pay what you can” and not make paying rent a priority.

So he basically was saying, make up your budget and put rent last.

I Have A Great Relationship With My Landlord

Since moving in a couple years ago I’m very happy here in my Home.

The landlords are nice people who gave me a very low rent to begin with because I’m a working woman who is rarely at home with great credit so they thought I was their perfect tenant.

Ideal Tenant (Working woman, not home much, great credit) Gets Discount

They gave me 20% of market rent right off the bat because they praised me as being the type of person landlords want to rent to. Of course landlords are sexist and love renting to women and I love how this stereotype helps me.

This made me very happy to hear and they gave me the discount on what they were advertising because I said I was going to be renting for at least a few years while I built up my savings.

I Could Pay No Rent, But I Worked Out A Rebate Plan 

Since I have such a good relationship with my landlords (they love me, I’m never home and never late paying) I learned a lot.

Most landlords are not independently wealthy and cannot afford to pay the mortgage out of their own pocket. They need rent every month just to survive. I understood that and they explained how tough their current situation was. So decided to help them survive. 

I Paid Rent…But 40%  That Was Fair To Both Sides

I made my own budget and made sure my most important expenses were on top of the list and the rent was at the bottom (but still there, as it’s only fair to my landlord).

I calculated my decreased salary due to less hours minus my main expenses for survival during this crisis. Most important expenses over rent:

-Stocking up on canned food and wine

-Buying food for fresh daily eating

-Costs of ordering Take-Out and the extra costs for UberEats, etc.

-Costs of feeding my cat and ordering her food.

-Ordering clothes I will need if I’m stuck in my Home for a long time. Fresh panties are always refreshing. A girl in a cage needs comfy too!

-Order creams to keep me looking youthful at L’occitane

-Saving for masks and potential medicines.

-Entertainment such as renewing my Netflix, CBS, and Amazon Prime accounts.

I Paid Rent…And Helped My Landlord Stay In Business

After all my budget expenses I ended up paying my landlord 40% of the usual amount.

My landlord was happy to get the rent without any issues and with no haggling.

This was not a ‘deferral’ it was what I would pay, period. For April and for future months up to the end of my lease.

They appreciated me even paying and I’m happy I did the right thing to help them would I could have paid $1 if I was the evil, nasty type of bitch.

Work With Your Landlord Like I Did

I could have just said I didn’t have the money but I know my landlord who are a nice couple so I decided to work with them like the Premier said.

40% Paid And I Saved My Landlord’s Life

I paid 40% of the rent for April and will pay that same amount as long as the pandemic continues.

If you have a good small landlord consider paying them at least a little bit because they are in need of rent for their families.

I also told my landlord to always remember I didn’t have to pay, but I did pay 40%. I told them how about a little gift for me, like some Lancombe make up or some expensive champagne?  KEEP ME HAPPY OR ELSE!

Let’s work together and at least pay your landlord a little bit to keep them also surviving…but don’t pay them the full amount because you need to spend your money on your needs first! This is a Win-Win Relationship.