COVID-19 Information and Resources
FREQUENTLY ASKED QUESTIONS
ISSUES FOR RENTERS
I don’t have enough money for this month’s rent, can my landlord evict me?
Congress passed the CARES Act to address the COVID-19 crisis. As of March 27, 2020, if you are a tenant living in federally subsidized housing or your landlord has a federally backed mortgage loan (FHA, VA, Fannie Mae, Freddie Mac, etc.), the landlord cannot file an eviction for non-payment of rent or charge you late fees for the next 120 days (through July 25, 2020). After the 120 days, if you still owe rent to the landlord, the landlord must give you a 30-day notice to pay any outstanding rent before filing an eviction. For more information about CARES: https://www.nhlp.org/wp-content/uploads/2020.03.27-NHLP-CARES-Act-Eviction-Moratorium-Summary.pdf
If I am protected from a non-payment eviction, do I still have to pay the rent?
Yes. Even if you live in federally subsidized housing or your landlord has a federally backed mortgage loan, you still owe the rent and will eventually have to pay it. The new law gives you time to get caught up with the rent. During this time, you can also apply for rental assistance from the programs listed on our resource page: https://www.legalservicesmiami.org/covid-19
How do I know if my landlord has a federally backed mortgage loan?
Unfortunately, right now there is not an easy way for you to determine whether your landlord has a federally backed mortgage loan. We know that most mortgages in the United States are federally backed and would have this protection. For now, you can ask your landlord about the mortgage, but housing advocates are working to develop an online tool to help tenants figure out whether a landlord has a federally backed mortgage. You can also contact Legal Services to help you figure this out: https://www.legalservicesmiami.org/contact-hours
My housing isn’t covered by these new protections, can my landlord evict me?
If your housing isn’t covered under the CARES Act and you do not pay next month’s rent, your landlord can serve you with a 3-day notice to pay rent. You should talk to your landlord to see if you can work out a payment plan. After the deadline on the notice passes, the landlord can file an eviction in the court. In Miami, all deadlines in evictions are extended through April 20, 2020. If you have an eviction, contact Legal Services: https://www.legalservicesmiami.org/contact-hours To learn more about the eviction process, read our brochure on evictions: https://www.legalservicesmiami.org/self-help
My landlord filed an eviction before the COVID-19 crisis started. What happens to my case?
In Miami, all court deadlines are extended through April 20, 2020. If the court already entered a judgment against you and ordered you evicted, you will not be removed by the police. Miami-Dade Police Department will not evict tenants during a state of emergency.
I have a Section 8 voucher, public housing, or some other subsidized housing and I lost my job. What should I do?
Immediately report your loss of income so your rent can be adjusted. The next month’s rent should be based on your new income. If there is a delay in adjusting your rent because of the COVID-19 crisis, you should receive a retroactive rent adjustment.
The conditions in my property are terrible and my landlord will not fix anything, what can I do?
The COVID-19 crisis may delay a landlord’s ability to make repairs. For non-urgent repairs, tell your landlord and give your landlord time to make repairs. If the problems in your unit affect your health and safety, ask the landlord to make repairs right away. If the landlord won’t make repairs, send a letter to the landlord through certified mail demanding that the repairs are made within 7 days of the letter or you will withhold your rent. Also, review your lease for any other rights you may have. For more information about the rent withholding process, read our brochure on repairs: https://www.legalservicesmiami.org/self-help
My landlord wants to enter my home, but I do not want people in my home during this crisis. Can I stop my landlord from entering?
Maybe. If there is an emergency, like a burst pipe, your landlord can enter the home at any time. In other situations, like minor repairs, to show the property to new tenants, or for inspections, you cannot unreasonably withhold consent for the landlord to enter. Whether it is reasonable depends on the specific facts. However, with the COVID-19 crisis, it seems reasonable to tell the landlord to wait to enter your home, especially if you are in a self-quarantine. In all circumstances other than urgent emergencies, the landlord should give you at least 12-hours’ notice and only enter between 7:30 am and 8 pm. And, always review your lease to see if you any other protections.
The landlord is telling me I cannot use some of the common areas because of the COVID-19 crisis, what can I do?
Review your lease to see if it addresses what happens when common areas are not open. However, it is important to remember that we are going through an unprecedented public health crisis. Under these circumstances, many landlords may limit access to common areas such as pools. During this crisis, it is unlikely that courts would require your landlord to reduce your rent or require the landlord to give you access to those common areas.
FINANCIAL ASSISTANCE FROM THE GOVERNMENT
How many stimulus payments will I receive from the federal government?
How much will my stimulus payment be?
$1,200 per adult and $500 per child under age 17. To receive the full payment, your adjusted gross income reported on your federal tax return must be $75,000 for a single filer, $150,000 for a married couple, and $112,500 if you file as a head of household. You can find your adjusted gross income on line 8b of your 2019 tax return.
Who qualifies for the stimulus payment?
Anyone with a valid social security number and some members of the military. If you are listed as a dependent on someone’s tax return, you will not receive a payment.
If I receive Social Security or disability payments, am I eligible?
How will I receive the payment?
The government will distribute the payment into the same bank account where it sent your tax refund. If you did not give the IRS your banking information, the IRS plans to create a website to provide your banking information. For more information about this process, visit the IRS: https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know
I lost my job, have substantially reduced hours, or was forced to take unpaid leave. What are my options:
You may file a claim for Unemployment Insurance benefits (a/k/a Reemployment Assistance) with the Florida Department of Economic Opportunity (DEO). To apply visit: https://connect.myflorida.com/Claimant/Core/Login.ASPX
For more information about Reemployment Assistance as it relates to COVID-19, including eligibility requirements and how to file a claim, please visit http://floridajobs.org/docs/default-source/reemployment-assistance-center/ra-covid-19-faqs-eng.pdf?sfvrsn=805543b0_14. You may also call 800-204-2418 but it may be difficult to reach someone on the phone because of the large number of people calling.
I was denied reemployment assistance, what can I do?
You have a right to appeal your denial. You should immediately request an appeal hearing and contact Legal Services for legal assistance: https://www.legalservicesmiami.org/contact-hours
ISSUES RELATED TO CONSUMER DEBT
I lost my job and my property taxes are due March 31 and I can't pay - what will happen?
On March 26 the State of Florida extended the deadline to pay property taxes to April 15. If you do not pay your property taxes by that date, the soonest Miami-Dade could start the process to sell your home for unpaid taxes would be 2 years from June 1. Check the Miami-Dade Tax Collector website for more information. https://www.miamidade.gov/global/finance/taxcollector/home.page
I can’t make my car payments and I need my car for work. What help is there for me?
First, call your lender as soon as possible and ask about any program you may qualify for. For instance, your lender may reduce your car payment or allow you to skip a payment and add it to the end of the loan. The lender may offer to refinance your loan all together with a lower interest rate that will reduce your car payment. However, make sure to be aware if the lender is extending the number of months to pay off the loan - for instance your 5-year loan is refinanced into a 7-year loan.
I have been paying my student loans but now that I lost my job, rent and food are my priority. What can I do about my monthly student loan payment?
You may be entitled to some relief, but it depends on the type of student loan you have. For instance, interest is waived on all federally held student loans for 60 days. Some borrowers will have their payments suspended through September 30, 2020, and while payments are suspended, the loans shall not accrue any interest. This website gives more information on what the Department of Education is offering: https://studentaid.gov/announcements-events/coronavirus.
If you have a private student loan, contact your loan administrator right away to see what is available to you.
I can’t make my mortgage payment due April 1 and I am scared of losing my home since I have young children and an elderly disabled mother. What should I do?
There is no uniform country-wide policy concerning COVID-19 and suspension of mortgage loan foreclosures. The relief you can get varies by who owns your loan. If you have a mortgage held by one of these federal agencies (a federally backed mortgage): FHA, Fannie Mae, Freddie Mac, VA and the Dept of Agriculture, then foreclosures are suspended for 60 days. The lender may not file any foreclosure lawsuit, move for a foreclosure judgment, order a sale, or execute a foreclosure-related eviction or foreclosure sale. In addition, homeowners with federally backed mortgage loans affected by COVID-19 can request and obtain forbearance from mortgage payments for up to 180 days, and then request and obtain additional forbearance for up to another 180 days. You can use this link to find out who owns your mortgage:
If your loan is not owned by one of these federal agencies, then contact your lender. The lender may offer you a temporary suspension or reduction of mortgage payments.
INFORMATION FOR PARENTS
Is my child being assigned school work while schools are closed?
Yes. Miami-Dade County Public Schools are offering distance learning programs and assistance for families who may not have the computers or tablets to do this. You can register your child or learn more by calling the Distance Learning Help Desk (305-995-HELP).
Will schools still be providing meals while closed?
Yes. Many schools are providing grab-and-go meals in the morning and evening. Visit http://api.dadeschools.net/WMSFiles/223/pdfs/M-DCPS%20Meal%20Distribution%20List%20-%20UPDATED2.pdf
My child has a disability and an IEP. Will she still receive the services she was provided at school?
Because schools are physically closed, but public education is still being provided by Miami-Dade County Public Schools, your child must continue to receive access to a free appropriate public education (FAPE). That might look different than what you’re used to, but your child’s disabilities must be accommodated. According to the federal Department of Education, “schools must ensure that, to the greatest extent possible, each student with a disability can be provided the special education and related services identified in the student’s IEP developed under IDEA, or a plan developed under Section 504.”
INFORMATION FOR SMALL BUSINESSES
What types of SBA loans are available for small businesses and nonprofits?
There are two forms of SBA loans available: Disaster Recovery Loans and Paycheck Protection Loans under the new CARES Act. For more information and to apply visit: https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources#section-header-2 and https://www.sba.gov/funding-programs/loans/paycheck-protection-program#section-header-2
Can nonprofits apply for Florida's new COVID-19 bridge loan program?
No, this program is only available for small businesses. For more information visit: http://floridasbdc.org/disaster/ebl/
Does your business need to have employees to apply for a Paycheck Protection Loan under the CARES Act?
Businesses that employ independent contractors may also apply, the loan amount is limited to $100,000. Please visit https://www.sba.gov/funding-programs/loans/paycheck-protection-program#section-header-2 for more info on eligibility and how to apply.
Where can I go for more information concerning resources for small businesses and nonprofit organizations?
Visit https://www.flcommunitydevelopment.org/covid-19-resources for a list of updated resources for small businesses and nonprofits
Local Resources during the COVID-19 Crisis
Housing Assistance & Shelters
Miami-Dade County will temporarily suspend housing evictions and water cut-offs until further notice. This means that law enforcement officers will not help landlords in removing tenants or serving evictions.
Miami-Dade County Public Schools are giving breakfast and lunch to students in need.
Catholic Charities of the Archdiocese of Miami “elderly service” program is providing meals to those in need who are 60 or older, live independently in their homes and are registered with the program.
Feeding South Florida is providing food and services to those who need it. The nonprofit serves Miami-Dade, Broward, Palm Beach and Monroe County and provides “direct-service programs” including benefits application assistance, access to its food pantry and home delivery for qualified individuals. Please click here for more information.
There is a drive-through testing center located at SW 216th Street and 103rd Court, Cutler Bay, FL 33190. If you suspect you may have the virus, please call 305-252-4820 before visiting a health center. Additionally, you should meet the following criteria:
They have recently traveled to the affected countries or have been in contact with someone who has COVID-19.
They are experiencing the following symptoms: fever, cough or shortness of breath.
Additional testing centers are being prepared in South Florida. Also, please refer to this Center for Disease Control and Prevention (“CDC”) Guide if you think you have the coronavirus: https://www.cdc.gov/coronavirus/2019-ncov/if-you-are-sick/steps-when-sick.html. For more information on COVID-19 prevention, please visit the Miami-Dade County website here for resources in English, Spanish, and Creole.
The CDC has released a symptom checker they are calling Clara. Click here to access it.
You can now get early prescription refills, this is in effect until May 8, 2020.
Click here for the Florida Division of Emergency Management information on 30-day medication refills during declared disaster events.
If you are an FPL customer and are unable to pay your bill at this time, please click here for more information.
Verizon and Xfinity will waive late fees and not terminate the service of individuals who cannot pay their bills because of COVID-19. Additionally, Xfinity and AT&T have opened up hotspots around the country for 60 days to provide free internet access to customers and noncustomers. For more information on how to access hotspots for Xfinity, click here and for AT&T, click here. T-Mobile is providing all current T-Mobile and Metro by T-Mobile customers unlimited data for the next 60 days and free international calling to any country listed as Level 3 during the COVID-19 pandemic. Finally, AT&T will not terminate wireless, home phone or broadband service when customers can't pay their bills because of COVID-19.
If you have been laid off, unable to work, or not being paid because of COVID-19, you can apply for Reemployment Assistance online or via phone. For more information visit the Deparment of Economic Opportunities' official website: http://floridajobs.org/
Childcare & Education
YMCA’s in Miami-Dade and Broward will provide free childcare services for children of first responders, healthcare workers as well as city and county staffers. Please click here for a list of participating YMCA’s.
Miami-Dade County Public Schools have support lines available for mental health, instructional learning, employee assistance, emergency operations. Please click here.
All Miami-Dade and Broward schools will be closed until at least May 1, 2020.
Please call 211 to access health and human services including assistance in Miami-Dade and Monroe counties for food banks, financial assistance, and domestic violence hotlines. This hotline is 24-hours and provides information in English, Spanish, and Creole.
Driver Licenses/ID Cards
All Florida driver licenses, commercial driving licenses and identification cards set to expire in the next 30 days will be granted a 30-day extension beyond their current expiration date. This is a notice from the state of Florida. Go to the Florida Highway Safety and Motor Vehicles website for more information and updates.
Other Agencies and Legal Providers
Americans for Immigrant Justice
AI Justice’s offices are currently closed to walk-ins. AI Justice is providing services virtually.
To access services, please call (305) 573-1106, ext 1400 for the receptionist
All information is subject to change and for additional details the specific organization should be consulted.