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How should a landlord handle a tenant who hasn’t paid in months?

Gary M. Singer South Florida Sun Sentinel

Q: Now that evictions are resuming, I need to deal with my tenant who is over six months behind. I have continued paying the mortgage, but it has not been easy. I need the cash fl ow from a paying tenant before I end up in foreclosure. Is there anything that I should know? —Peter

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A: Th e recent Supreme Court decision about the CDC’s eviction moratorium removed the federal roadblock to evicting tenants who did not pay their rent. While most tenants who stopped paying did so for valid reasons, the moratorium banned evictions, not paying rent or abiding by the lease agreement. Tenants still had to maintain the home and pay the rent. When they stopped paying the landlord, the missed payments starting accruing, and their debt to the landlord grew. Many tenants who relied on this protection face an insurmountable debt due to backowed rent. Even with the CDC moratorium lifted, several states and many municipalities still have restrictions in place. Before you do anything, you need to ensure that you do not live in one of these jurisdictions. If you have the green light where you live, you need to follow the traditional steps, such as posting a notice and fi ling a lawsuit. You will also need to decide whether to take the more straightforward route of only regaining possession or the longer path of seeking money damages for the back rent. When making this decision, consider your tenant’s fi nancial situation. While many people genuinely could not aff ord to pay their rent due to the COVID-19 crisis, some exploited their situation by not paying rent they could aff ord. Other tenants found steady work recently as the economy reopened. If your tenant has a regular job or valuable possessions, it may be worth getting a money judgment and trying to collect. A note of caution: Many landlords have historically felt comfortable fi ling eviction lawsuits themselves, but the current climate is fraught with traps and obstacles. It would be wise to consult an experienced attorney if you are unsure of what to do. Gary M. Singer is a Florida attorney and board-certifi ed as an expert in real estate law by the Florida Bar. He practices real estate, business litigation and contract law from his offi ce in Sunrise, Fla. He is the chairman of the Real Estate Section of the Broward County Bar Association and is a co-host of the weekly radio show Legal News and Review. n