You are not alone: help is available
Falling behind on rent is one of the most stressful situations, but there are federal, state and local programs designed exactly for this. The most important thing is to act quickly and not ignore the problem.
Step 1: Talk to your landlord before falling behind
Many landlords prefer a payment plan over losing a tenant and going through a long, costly eviction. Communicate in writing, explain your situation and propose a concrete solution: paying in installments, a few days' extension or a partial payment. Keep a copy of everything.
Step 2: Call the 2-1-1 line
Dialing 2-1-1 from any phone connects you with local specialists who identify assistance programs for rent and utilities in your area. It is free and confidential.
Step 3: Look for emergency rental assistance
There are emergency assistance programs through state and local housing agencies. Requirements vary, but they usually help low-income families with overdue or upcoming rent.
Longer-term assistance programs
| Program | Who it helps |
|---------|--------------|
| Section 8 (Housing Choice Voucher) | Low-income families, seniors, people with disabilities |
| Subsidized housing | Low-income tenants (reduced rent) |
| Public housing | Families who qualify by income |
| LIHEAP | Help with energy bills |
Step 4: Seek HUD housing counseling
The Department of Housing (HUD) offers approved housing counselors who help you create a financial plan. You can call 800-569-4287 to find a nearby agency. The service is free or low-cost.
Step 5: Protect your rights if eviction is threatened
If the landlord threatens to evict you:
Tips for managing the crisis
Key resources
Remember: asking for help is not a failure. Millions of families use these programs every year. The sooner you act, the more options you will have to keep your home.