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In Legal Terms
In Legal Terms: Housing with MS Center for Justice
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Guests: attorney Vangela Wade, president and CEO of the Mississippi Center for Justice and Will Bedwell an attorney in the Center's Biloxi office.
Immediate protection for housing:
- The eviction moratorium operates by restricting lessors of covered properties # from filing new eviction actions for non-payment of rent, and also prohibits “charging fees, penalties, or other charges to the tenant related to such nonpayment of rent.” Sec. 4024(b). The federal moratorium also provides that a lessor (of a covered property) may not evict a tenant after the moratorium expires except on 30 days’ notice—which may not be given until after the moratorium period.
# Covered properties include:
VAWA Covered Housing Programs
Department of Housing and Urban Development
- Public housing
- Section 8 Housing Choice Voucher program
- Section 8 project-based housing
- Section 202 housing for the elderly
- Section 811 housing for people with disabilities
- Section 236 multifamily rental housing
- Section 221(d)(3) Below Market Interest Rate
- HOME
- Housing Opportunities for Persons with AIDS
- McKinney-Vento Act homelessness programs
- Department of Agriculture
- Section 515 Rural Rental Housing
- Sections 514 and 516 Farm Labor Housing
- Section 533 Housing Preservation Grants
- Section 538 multifamily rental housing
Department of Treasury
Low-Income Housing Tax Credit
Rural Housing Voucher Program
Properties with federally backed mortgage loans (1-4 units)
Properties with federally backed multifamily mortgage loans (5+ units)
https://www.nhlp.org/wp-content/uploads/2020.03.27-NHLP-CARES-Act-Eviction-Moratorium-Summary.pdf
- c. Evictions Suspended: Pursuant to Miss. Code. Ann. Section 33-15-11(c)(1) and (33-15-11(c)(4), evections within the State of Mississippi are suspended, and all state, county and local law enforcement officers are directed to cease enforcement of orders of eviction for residential premises during the Shelter in Place Order. No provision contained within this Executive Order shall be construed as relieving any individual of the obligation to pay rent, to make mortgage payments, or to comply with any other obligation that an individual may have under tenancy or mortgage.
https://www.sos.ms.gov/Education-Publications/ExecutiveOrders/1466.pdf
A new federal law, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, puts in place two protections for homeowners with federally backed mortgages:
- A foreclosure moratorium
- A right to forbearance for homeowners who are experiencing a financial hardship due to the COVID-19 emergency
If you don’t have a federally backed mortgage, you still may have relief options through your mortgage servicer or from your state.
https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/
Landlord-Tenant Law in Mississippi Authored By: The University of Mississippi School of Law Legal Clinic
https://www.mslegalservices.org/resource/landlord-tenant-law-in-mississippi
MS Legal Services: 1-800-498-1804
Mississippi Public Service Commission COVID-19 statements
https://www.psc.ms.gov/node/555
MS Legal Services: 1-800-498-1804
Mississippi Center for Justice: 601-352-2269 https://www.mscenterforjustice.org/
Fair Housing Hot Line: 1-877-352-2269
MS United to End Homelessness: 601-960-0557 https://www.muteh.org/
Open Doors Homeless Coaliton: 228-604-2048 https://www.opendoorshc.org/
MS Home Corporation https://www.ms.gov/node/223
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