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This means if a debt collector harasses you or makes false or misleading statements to collect rental debt, they may be breaking federal law. If a lawyer is representing your landlord, or a collection agency is trying to collect the back rent or utilities you owe, the lawyer or company may be considered a debt collector under federal law.įederal law says that debt collectors can’t use unfair or deceptive practices to try and collect a debt. When you owe money for rent or utilities and someone else is trying to collect the money, that person could be a debt collector. You may qualify for free legal aid, based on your income.Ĭontact your local bar association or legal aid How to deal with people collecting overdue rent or utilities If your landlord is threatening to evict you, or you need help understanding your rights, talk to a lawyer. Know your legal rights as a renter Legal help with evictions Find and contact your local public housing agency to learn more about your eligibility for a housing choice voucher.

You can use them for privately owned single-family homes, townhouses, and apartments. The vouchers can be used by families with low incomes, seniors, and people with disabilities.

Housing choice vouchers (also known as Section 8) can pay for all or part of the rent for privately owned housing.

To apply for subsidized housing, search for a participating subsidized housing community using the HUD map.

In subsidized housing, the government pays apartment owners to offer reduced rents to tenants with low incomes.

Department of Housing and Urban Development (HUD) offers programs to help pay rent. Subsidized housing and housing choice vouchers If you’d like help from a local expert who offers rental housing counseling, call 80 or find a HUD-approved housing counseling agency online. Not every housing counselor offers rental housing counseling, so once you’ve found counseling agencies in your area, review the services they offer to make sure that “rental” appears on the list.

Some HUD-approved housing counseling agencies offer low- or no-cost rental housing counseling. Housing counselors can help you find resources in your area and make a plan. Get year-round help with utility bills by contacting your local Low Income Home Energy Assistance Program (LIHEAP) office or calling the National Energy Assistance Referral Hotline at (866)-674-6327.