Moratorium on Evictions
On March 24th, the City Council voted unanimously in favor of a temporary suspension of evictions for qualifying residential and commercial tenants in Union City.
The Ordinance prohibits evictions for residential and commercial tenants that can show:
1. Inability to pay rent due to, or arising out of a substantial decrease in household or business income or substantial out-of-pocket medical expenses; and
2. The decrease in income, or out-of-pocket medical expenses, was caused by the COVID-19 pandemic, or by any local, state, or federal government response to COVID-19, and is documented in writing.
Qualifying impacts on residential tenants related to COVID-19 include:
• COVID-19 illness or caring for a household or family member with COVID-19 illness
• Work closures, layoffs, job loss, a reduction in the number of compensable hours or other economic or employer impacts
• Missing work due to a minor child’s school closure, compliance with government health authority orders, or other similarly-caused reasons.
Qualifying impacts on commercial tenants related to COVID-19 include:
• Work closures
• Reduction in staff reporting to work
• Reduction in opening hours
• Reduction in consumer demand
• Compliance with government health authority orders
• Other similarly-caused reason resulting in loss of business income
• Tenants have 10 days after rent is due to notify landlord
• Tenant that meets the requirements of the ordinance has an affirmative defense in unlawful detainer proceeding
• The moratorium on rent for a tenant that meets the requirements of the ordinance is in effect until May 31, 2020, the expiration of the local emergency or the Governor’s proclamation of a state of emergency, whichever occurs last
• Tenants will have ninety (90) days from the end of the moratorium to pay any back-due rent
On March 25th, Governor Gavin Newsom announced that financial institutions will provide major financial relief for millions of Californians suffering financially as a result of the COVID-19 outbreak. You can read more about the stipulations and participating financial institutions on the COVID-19 state government website.
90-Day Grace Period for Mortgage Payments
Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. In addition, those institutions will:
- Provide borrowers a streamlined process to request a forbearance for COVID-19-related reasons, supported with available documentation;
- Confirm approval of and terms of forbearance program; and
- Provide borrowers the opportunity to request additional relief, as practicable, upon continued showing of hardship due to COVID-19.
No Negative Credit Impacts Resulting from Relief
Financial institutions will not report derogatory tradelines (e.g., late payments) to credit reporting agencies, consistent with applicable guidelines, for borrowers taking advantage of COVID-19-related relief.
Moratorium on Initiating Foreclosure Sales or Evictions
For at least 60 days, financial institutions will not initiate foreclosure sales or evictions, consistent with applicable guidelines.
Relief from Fees and Charges
For at least 90 days, financial institutions will waive or refund at least the following for customers who have requested assistance:
- Mortgage-related late fees; and
- Other fees, including early CD withdrawals (subject to applicable federal regulations).
Click here for details on how to apply for relief. Loans held by a financial institution may be serviced by another company.