What you need to know if you’re in danger of being evicted

The Centers for Disease Control and Prevention on Tuesday released a new federal eviction moratorium, just days after the previous ban expired on July 31.

The new rules bought more time for some, but not all, of the millions of renters facing eviction. It’s also increased confusion for many in danger of losing housing.

Those who could be evicted when protections lift should consider what options they have now, in case they aren’t covered by the new rules, the current moratorium again lapses without Congressional action or it is overturned in court.

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“The worst thing that people can do is ignore [the problem],” said Caleb Kruckenberg, litigation counsel at the New Civil Liberties Alliance, a nonpartisan nonprofit based in Washington, D.C.

Here are some things to consider.

Make sure you’re covered by the new eviction ban

Under the current updated guidelines, renters in areas of the country that have “high” and “substantial” levels of coronavirus infections will be protected from eviction for an additional 60 days, through Oct. 3.

Some 80% to 90% of renters should be protected by the new rules.

Renters can check to see if they’re in such an area on the CDC’s website. Even if they are currently covered, it’s a good idea to continue to monitor coronavirus case levels in their area — renters will lose protection under the new moratorium if Covid-19 infections fall below a “high” or “substantial” level for 14 consecutive days.

Some 80% of counties in the U.S. currently fall under the new eviction ban guidelines.

Other parameters also apply. Renters must have an income less than $99,000 ($198,000 if filing taxes jointly) for 2020 or 2021, attest that they’ve experienced financial hardship due to the coronavirus pandemic and that being evicted would lead them to be homeless or having to move in with others.

Apply for rental assistance

People should also make sure that they have applied for all available government assistance for rent or housing, another stipulation of the eviction ban.

Congress has allocated more than $46 billion in emergency rental assistance, but so far very little of the money has gone out. Through the end of June, only $3 billion had reached eligible households, according to Treasury Department data.

Some of this may be because people aren’t sure how to apply for the help or are dealing with different bureaucracy depending on where they live, according to Kruckenberg.

“Unfortunately, it’s federal money and 50 different [state] solutions of how to get it to people, so there’s no streamlined process,” he said.

States have different rules and processes for giving out this money. For…