Unfair madness! Landlords getting hosed.

Unfair madness! Landlords getting hosed.

Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes

Some Perspective... 0.15%

That's the percent of American people who have Covid-19 at the time of this writing.  NOT even 1% of the total population.

Suppose the disease were to quadruple before this is over, that would only be 0.6%. Still not even 1%

I am not saying the Covid-19 pandemic is not serious. It is serious! But bear with me, I'm going somewhere here.

Percent of tenants with eviction protection 100%

Specifically in California landlords have been totally neutered.

THIS IS NOT RIGHT, THIS IS NOT FAIR!

Private citizens should not be compelled by law to provide free housing at their own detriment. As a landlord for 20+ years this is the most backwards and un-American situation I have ever seen. What good are constitutional protections, checks and balances if they only serve us when convenient? We need our rights, and freedom most when times are difficult. Where is the ACLU?

Do I think a tenant who has suffered a hardship outside of their control should be thrown out into the street? No of course not. But, 99.9% of landlords will do everything in their power to work with a tenant ALREADY, if for no other reason because they don't want to pay for turnover and vacancy.

I think some responsible laws could be put in place that prohibit abusive landlords from unfair evictions and also require landlords to work with tenants, but the current situation is totally 1 sided and unfair!

Consider, if a tenant loses their job they have options. They can apply for aid, they can look for an online job. They could take a temp position at a grocery store if they like. However, if a landlord has a tenant who can't (or wont') pay rent they can ask for rent and hope for cooperation but can do nothing beyond that to improve their situation.

This absurd! Is anyone thinking this through? How can this possibly not end badly? Allow me to list some problems.

  1. If a tenant hears they "don't have to pay rent", many will simply push it as far as they can regardless of their actual ability to pay or not pay. Why not cease the moment? Wouldn't you?
  2. If a landlord does put a 3 days or quit notice and the tenant doesn't comply. Normal law states that the landlord can not collect anymore rent AFTER the 3 days are up, or the 3 day pay or quit notice is invalid. Does this mean landlords should just allow the tenant to live free till September or until (heaven only knows) when they are able to evict? Does letting a tenant free load till September seem like a good idea?
  3. Most landlords would agree that tenants who get behind really land themselves in a circle of debt they can't climb out of anyway. Thinking a repayment plan with landlords can work is basically fiction. AKA nonsense.
  4. How long till landlords start getting stretched too thin and start taking matters into their own hands? Anything is possible, Violence, fake insurance claims etc? That is a scary outcome that I don't want to even think about. (Please nobody do this)
  5. How long till landlords get fed up and say screw it and just let the bank have the property back?
  6. How long till word gets out about how landlords are being treated and many future (would be landlords) say, no thank you? How many current landlords will just get out of the game. (never want to take that risk again)

TL:DR; This is a disaster and I don't even know what to do anymore.

PS: I do have abusive tenants who are purposely leveraging the situation and not paying simply because they don't have to.

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Jay HinrichsBusiness Member
Real Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
6y
Originally posted by @David J.:

@Jay Hinrichs Simply because it's not a problem for you or 90% of others does not mean it's not a valid problem. Landlords are being denied their civil liberties and property rights. The implications of this are huge! 
Also restaurants and hotels all each have their own arguments to wage but it's apples to oranges. At least restaurants can do take out, and hotels can claim insurance or sell their space to the government as a make shift hospital. But I maintain this is out of scope for my point. Regardless, how unfair it is for them, it doesn't suddenly make this fair for landlords. Landlords should NOT be denied their rights!

@Amer Mallah I agree about not making projections. Only casting some perspective. We have a whole lot of fear and irrational thinking taking place. I sure hope we see some changes. We need solutions that protect tenants without allowing landlords to be helpless victims themselves. That's just trading one problem for another. 
I also agree that the screening process is going to get much more intense. Also, I wouldn't be surprised if rents go up to compensate for the whole new level of risk landlords were just made aware of. 

these are once in a lifetime issues ..  I mean just think of all the small business's that were forced to close.. who is going to rescue them

if anything landlords to my way of thinking have gotten massive help.. their tenants got 1200 bucks ( at least most) and increased unemployment.. then you have section 8.. If the tenants choose to pocket the money and not give it to the landlord that's not the govmits fault..  it just is what it is everyone is suffering..  I mean there is no bail out for us homebuilder developers  !!!  Or real estate agents who cant show houses  it goes on and on.. so like I said to me landlords have gotten huge help far more than many.. Not to mention mortgage forbearances etc..

If the landlord for whatever reason gets in financial difficulty because tenant misses one a few rent payments.. then I think landlord needs to revisit their reserves policies.

See this reply in the discussion

166 Replies

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  • Chicago, IL · Member since 2016 · 22 posts · 11 votes
    6y

    I see a lot of passion here, which makes sense.  Like me, many landlords are worried about (most likely) the largest investment/segment of their net worth.  As @David J.mentioned, he worked his entire adult life to build this.  I am similar, I have poured every dollar I can scrape over the past 5 years into my rental business.  I am very concerned, not about 2 months, but for what may continue God knows how long...

    I completely agree that forcing landlords to keep tenants in their houses is a violation of property rights.  I think a skilled attorney could sue the state on constitutional grounds.  Class action anyone?.  This isn't that different than being forced to house soldiers of the government, which is unconstitutional.   

    I also agree that the landlords get screwed the most here.  Tenants can stay and not pay, and when evictions start and they have a balance racked up, they just move out, knowing they may face some issues with future rentals, but not a big deal considering they saved on months of rent (and knowing they can just tell future landlords, that "yeah, that happened during COVID").  Banks, if they don't get mortgage payments, can foreclose (eventually) and get a valuable house.  But what about landlords?  They have to keep making mortgage payments.  Sure, they can get a forbearance, but that just racks up the payments to be made later (every penny).  Nothing is forgiven.  So landlords have to make all payments or lose their house, while they have little recourse against nonpaying tenants.  

    I believe that we have to even the tables here just a bit.  I think evictions should be started again, but if the tenant can show proof of COVID hardship, and proof that their Stimulus payments (some families get over $3000) don't cover rent, then perhaps they can remain for a while.  What needs to be allowed is eviction of tenants who are not being impacted by COVID, or are getting plenty of Stimulus money, but are just lying and saying they are impacted to get free rent.  (Yes, this is i happening to me.)  I think we all agree that for good tenants who are facing COVID hardship, landlords are willing to work with them and be compassionate.  But by removing ALL tools a landlord has to deal with bad/lying tenants, landlords are stuck right in the middle eating the sh%t sandwhich.

  • Rental Property Investor · Enterprise, AL · Member since 2019 · 137 posts · 85 votes
    6y

    @Jason J. Man, that sounds tough. I hope everything gets resolved in a productive way. Good luck!

  • Brookfield, WI · Member since 2016 · 191 posts · 108 votes
    6y

    I think the bigger issue is EXACTLY what has happened.  A bunch of people thinking they don't have to pay because they can't be evicted.  So, for no other reason than "I don't have to", they aren't paying rent. Even if they don't have a hardship from covid-19.  It's exactly what we feared would happen.  My guess, there will be a slew of evictions on the back end of the temporary stay.

  • Homeowner · New York, NY · Member since 2013 · 13 posts · 6 votes
    6y
    We, all landlords should unit together to send messages to governors and white house, etc.
    who has/have privileges, abilities to organize it?
  • Chicago, IL · Member since 2016 · 22 posts · 11 votes
    6y
    Originally posted by @Wendy Wu:
    We, all landlords should unit together to send messages to governors and white house, etc.
    who has/have privileges, abilities to organize it?

    Good idea, Wendy.  Does anyone belong to some reputable landlord or real estate association, that could prepare and send something formal?  Or, is Bigger Pockets (the company) well known enough to prepare something?  :) 

  • Real Estate Agent · Scottsdale, AZ · Member since 2019 · 448 posts · 320 votes
    6y
    Originally posted by @David J.:

    Some Perspective... 0.15%

    That's the percent of American people who have Covid-19 at the time of this writing.  NOT even 1% of the total population.

    Suppose the disease were to quadruple before this is over, that would only be 0.6%. Still not even 1%

    I am not saying the Covid-19 pandemic is not serious. It is serious! But bear with me, I'm going somewhere here.

    Percent of tenants with eviction protection 100%

    Specifically in California landlords have been totally neutered.

    THIS IS NOT RIGHT, THIS IS NOT FAIR!

    Private citizens should not be compelled by law to provide free housing at their own detriment. As a landlord for 20+ years this is the most backwards and un-American situation I have ever seen. What good are constitutional protections, checks and balances if they only serve us when convenient? We need our rights, and freedom most when times are difficult. Where is the ACLU


    PS: I do have abusive tenants who are purposely leveraging the situation and not paying simply because they don't have to.

    Jason, instead of looking at this problem as a public health emergency, which it is, look at it as more of an economic disaster, which it also is.  I would cite employment numbers instead of the number of people infected with COVID-19.  

    99% of this problem is because of perfectly healthy people that were laid off because their employers had to shut their businesses down overnight due to government orders.  There are historic numbers of people applying for unemployment.  We may see national unemployment of 20%, which would be an unmitigated disaster.  

    To your second point, I do agree that there are and will be tenants that take advantage of the situation and not pay their rent, even if they have the funds.  I do not blame them for this because the legislation blocking evictions is overreaching and basically encouraging them to steal from their landlords.  Our rights as landlords are being trampled and we need to remember this in the next election.  I blame local government for not helping both sides.  

    Once I read the proposed legislation, I expected this would happen, particularly in more traditionally Democratic liberal parts of the country, such as California.  They have almost always treated landlords as an anathema in these areas because it helps get them reelected.   

  • Homeowner · New York, NY · Member since 2013 · 13 posts · 6 votes
    6y

    Jet

    "
    Good idea, Wendy. Does anyone belong to some reputable landlord or real
    estate association, that could prepare and send something formal? Or,
    is Bigger Pockets (the company) well known enough to prepare something?
    :) "

    Sorry, I do not know anyone. Hoping someone will stand up for all landlords. I will follow whoever does.


  • Investor · Los Angeles County, CA · Member since 2012 · 962 posts · 279 votes
    6y

    They're really handing us the bill.  A lot of tenants will defer rent until the eviction moratorium is lifted and end up owing landlords $12-15k then they'll just move out

    We need to get organized and proactively contact our representatives to fight this.  

    Some Apartment Association resources, Petitions, and how to easily contact local government and representatives:

    Los Angeles Apartment Association 

    https://aagla.org/

      

    Apartment Owners Association 

    https://aoausa.com/index.php

    AOA Petition to Governor Gavin Newsom

    https://www.aoausa.com/magazine/aoa-petition-mortgage-tax-deferment-relief-for-property-owners-during-coronavirus-crisis/

    Apartment association of Greater Los Angeles ://aagla.org/



    https://caanet.org/?campaignid=370269636&adgroupid=33488653813&adid=196901338764&gclid=Cj0KCQjwm9D0BRCMARIsAIfvfIbh3r1vcnG7MApNCLb7RN9vYzlO4E2fmXDqAIFkmgjNf7tv2ooQq2MaAgQmEALw_wcB

    California Apartment Association Resource Page 

  • Homeowner · New York, NY · Member since 2013 · 13 posts · 6 votes
    6y

    Will F. Investor from Los Angeles County, California

    Yes, they will move out without pay. My house in NJ. It is very hard to find any government official.
    Any NJ landlord in this group? how do you handle it?

    Thank you!

  • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
    6y

    Here is a realistic action step we can all take right now:

    https://caanet.org/judicial-co...

  • Rental Property Investor · San Diego, CA · Member since 2011 · 1k+ posts · 1k+ votes
    6y

    These times are beyond belief, its down to life or death. People outside and risking higher deaths or home and hopefully reducing the loss. Makes me feel like my financial needs aren't that important.

    For those having a harder time navigating this experience. Once this event passes and life returns to some form of normalcy. Do you think you'll continue being a landlord? Or has this experience shown you that this isn't something that is a good fit for you handle? 

  • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
    6y
    I suggest folks read this to get a better understanding of my concerns
    https://caanet.org/app/uploads...


  • Joe SplitrockPro Member
    Moderator
    Rental Property Investor · Sioux Falls, SD · Member since 2015 · 9k+ posts · 18k+ votes
    6y
    Originally posted by @Jeb Shookman:
    Originally posted by @Wendy Wu:
    We, all landlords should unit together to send messages to governors and white house, etc.
    who has/have privileges, abilities to organize it?

    Good idea, Wendy.  Does anyone belong to some reputable landlord or real estate association, that could prepare and send something formal?  Or, is Bigger Pockets (the company) well known enough to prepare something?  :) 

     I have seen several times in this discussion thread that people talk about uniting and  @Emanuel Ohunwu asked if there are landlord lobbying groups. There absolutely are! Every state, some cites and even nationally. 

    These groups are mostly funded by large apartment operators. Most mom and pop landlords just don't belong to these groups or financially support them. Anyone on here complaining, should join and support their state landlord associations. You don't need to start a grass roots group, just join the ones already out there on the front lines. Many of the state groups will support the national groups.

    Just do a Google search on "MY STATE apartment association" or "MY STATE landlord association".

    Not to sound jerky but complaining on BP does absolutely nothing. Join these groups and contact your local, state and national representatives. 

  • Specialist · Owings Mills, MD · Member since 2017 · 485 posts · 415 votes
    6y

    I know this is going against 90% of the landlords who are highly leveraged, but this downturn shows the fault of purchasing properties using BRRRR strategy.
    . Little to no equity remaining in property.
    . High mortgage
    . Potential to unzip entire portfolio in a downturn
    . Small to no reserves

    We are going to see a lot of Investors loose their entire portfolios's because they cannot go a few months.

  • Severna Park, MD · Member since 2013 · 7k+ posts · 7k+ votes
    6y

    If this does go on for too long , I can see some self help evictions , and possibly a few accidential fires . 

  • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
    6y

    What scares me a lot specially about the California no eviction law is that it states it will last 90 after the state of emergency is over. State of emergency can last years as its often left in place long after the initial problem has been resolved. 

    Can any of you talking about “planning for any risk” honestly withstand years of no rent? Let’s be real, this is bad, poorly thought out policy!

  • Raleigh, NC · Member since 2019 · 8 posts · 6 votes
    6y

    Not going to beat a dead horse as the replies here have been spot on. All I can offer is camaraderie as I am in a similar situation. If you want to read my story I will type it below but be warned it is long and I will somehow forget to type some details.

    TLDR: We are in this together and it will be frustrating but we will make it through. Those of us who learn from mistakes will be prepared much better next time.

    Story Time!


    Disclaimer: I do take full responsibility and have the reserves to make it through this.


    Purchased a property at the end of 2019 and inherited a tenant who at the time could not work due to injury but was about to go back. He did go back to work part-time initially and eventually full time within the first month.

    Previous owner provided a monthly lease and while he had no proof of payment gave me his word the tenant was current. This lack of proof was negotiated into the sales price and lead to an accepted lower offer by 3 months rent. To this day both the tenant and previous owner swear payments were made. 

    In an attempt to be an understanding landlord I offered to waive late payments for 3 months but made it clear after 3 months (Feb 1,2020) late fees would follow as was outlined in the lease agreement. The tenant and I sat down and went through my standard 12 month lease line by line prior to signing.  All 3 of these months would have had a late fee so I knew things were headed the wrong way. I had cracked open the door that could slammed in my face later. I take full responsibility but with a child involved and it being the holiday season I try to be understanding in lower income areas like this.

    Okay here comes Feb 1 which means late fees are in full effect and of course rent is late and the tenant is notified. After being served a 10 day notice to pay or quit, the tenant immediately paid except for $50 which he said would be paid the following month. He also sent me a screenshot of his checking account that had a -$6 balance to prove he gave all he could. No idea if this was a legit account but the date and time were accurate in the screenshot.

    Okay here comes March and it came in like a lion. Not only was rent not paid but it was not paid because the tenant claims his girlfriend cheated on him, drained his bank account, and is now living with another man.  I explained that this does not change our agreement and the tenant promised rent would be paid with the past due amount when he received his income tax which would be in his account March 6th.  March 6th came and no payment and no response to my messages about the payment so another 10 day notice was posted on his front door. The tenant confirmed receipt of this notice via text message later that day.

    Now every couple days I would either drive by the area just to see how things were going. On day 5 I stopped and knocked on the door to figure out what the plan was since I was getting no response in messages or calls. To my surprise the tenant's girlfriend and child were at the property but the tenant was not. They are both also on the lease but the surprise was that I was under the impression she had moved out. She was packing up the apartment and had mentioned they were all moving out to a new place that was going to be in her name. When I asked if they would be out by the end of the 10 days she mentioned she was not aware she had to be out that quick and was planning on being out by the end of the month. When I explained the situation, immediate tear fall.

    The next 15 minutes of my life were spent listening to all of the problems this relationship was having. I'll name a few that stuck out but be certain there are many problems in that relationship.

    1. The tenant has a scratch-off lottery ticket gambling problem and often comes home with "many"  tickets in his pockets. Tosses one to his girlfriend and claims he only bought 2. Apparently they have argued over his dishonesty about this multiple times.

    2. The tenant never told his girlfriend about the 10 day notice but did tell her they would move out whenever they wanted because the news is saying all evictions are being frozen and there is nothing the landlord can do about it whether he pays or not. At this moment he was incorrect but we would find out shortly this would become true.

    3. Prior to all of this the tenant and I have got along great and thus his child knows my name and often talks to me. This particular day he wanted to show me his new video game. What he didn't realize was upon entering the room all I would notice is the brand new 55" flat screen TV so we now know where some of that income tax went to.

    Finally, let's summarize the last 30 days. An eviction has been filed but due to the virus it had to be mailed when the courthouse is 3 blocks down from the property and they have no drop box (I called). To be transparent I did not mail the eviction until March 20th so I cost myself a few days there. However the court did not file my case until April 1st after confirming they received my complaint on March 23rd and took payment on the 26th. The original court case was set for April 14th and then delayed until May 12th. I was not surprised by the delay but I was a bit frustrated that the second notice was received within 24 hours of the first so there was no time to even let the tenant panic and move out prior to the date. He found out immediately he had an extra full month.

    I stop by the area periodically as I have other tenants nearby and it is the only way the tenant will respond. My texts are calls are ignored. Since this process has started I have received multiple noise complaints of arguing all hours of the night and learned that the tenant is smoking in the property.   Upon contacting the local government I get told that their hands are tied and cannot evict for any reason and that my best bet is to call higher up the chain of command but they made it clear that if I accept any amount of payment the process will be void.

    The tenant was also laid off the first week of April so with unemployment and the stimulus check he will actually be making more money over the next few months than he was prior. That detail stings a bit considering I cannot accept any of it if he were to offer it and I will lose at least a few months of my reserves but that is why they are there so I'm blessed for that.

    I originally got into REI because my area has a ton of slumlords and it became my goal to give people a decent place to live at a fair price. With this particular tenant I have connected him with multiple agencies in the area who assist with lower income housing. One of my other units are actually section 8 funded. He never followed through with any of them after the initial discussion.

    A lot of lessons learned on this one but at 29 years old, I will definitely learn and make plenty more.

    Thank you to anyone who took the time to read all of this. Stay healthy and take care!

    • Investor · Rockwall, TX · Member since 2017 · 5 posts · 4 votes
      6y

      We are NOT providing free housing, we are allowing deferred and partial payments! 

      Yes, everyone is under some kind of pressure and dealing with the situation as best they can. Be patient.

      People are getting sick and dying of a virus we have no vaccine nor cure for that must be contained as well as possible. Thus "shelter IN PLACE." 

      If we evict people with recent limited resources where will they go? If they can't pay rent, what do you expect them to do?? Maybe they'll stay with family or friends in tight quarters and expose each other to death!

      Tenants who lose their jobs temporarily or permanently can file for and receive unemployment. Many tenants already receive social security and/or food stamps, or retirement, etc. They may not have difficulties, but they, along with all tenants in whatever situation they are in, must understand they still owe rent. If they don't at least pay it out now, they WILL face eviction eventually, and they DON'T want that on their credit.

      We can communicate our expectations and be patient in working things out in mutual good faith.

    • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
      6y

      HI @Melissa Walker

      Having read this entire thread, I've not seen 1 person advocate for evicting folks who have legitimate hardship.

      This is about restoring a balanced approach to the problem.

      Please read this as it explains it better than I ever could

      https://caanet.org/app/uploads...

    • JD MartinBusiness Member
      Moderator
      Rock Star Extraordinaire · Northeast, TN · Member since 2015 · 10k+ posts · 16k+ votes
      6y
      Originally posted by @David J.:

      What scares me a lot specially about the California no eviction law is that it states it will last 90 after the state of emergency is over. State of emergency can last years as its often left in place long after the initial problem has been resolved. 

      Can any of you talking about “planning for any risk” honestly withstand years of no rent? Let’s be real, this is bad, poorly thought out policy!

       Not to sound like a smart *** here but in practice I could withstand no rent for infinity, unless we are talking about apocalypse in which case it doesn't matter. But that was always part of my model (you can listen to why in my podcast, in the link below) partly framed from losing a lot of money!

      Skyline Properties
      View Page
    • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
      6y

      @JD Martin interesting. Strong enterprise. Out of curiosity, are we talking zero rent on all your properties? Short of a drug ring on the side, I am not sure how that works. I do want to learn though.  :)

    • Joe SplitrockPro Member
      Moderator
      Rental Property Investor · Sioux Falls, SD · Member since 2015 · 9k+ posts · 18k+ votes
      6y
      Originally posted by @David J.:

      What scares me a lot specially about the California no eviction law is that it states it will last 90 after the state of emergency is over. State of emergency can last years as its often left in place long after the initial problem has been resolved. 

      Can any of you talking about “planning for any risk” honestly withstand years of no rent? Let’s be real, this is bad, poorly thought out policy!

       No eviction doesn't mean no rent. You keep saying that, like you WANT tenants to think that. Stop advancing that narrative. All you are going to do is convince people they don't need to pay rent. 

      To say that without the threat of eviction, people will not pay rent is not supported by any facts. The vast majority will still pay rent. Even in your own example, all but one of your tenants paid rent. There are other incentives to pay rent, such as maintaining good credit, good references and having a place to live after the pandemic. Many people will pay simply because they are good, honest people. 

      Planning for risk is more than cash reserves. It is evaluating the location where you are investing to avoid areas that are anti-landlord. It is avoiding risky locations like D class neighborhoods. It is properly screening tenants, so you are renting to responsible people who pay rent on time regardless of eviction threat. It is properly screening partners, executing well written contracts and having good insurance. It is keeping your property in safe repair. It is treating people with respect, so they will treat you the same.

    • Investor · shawnee oklahoma · Member since 2017 · 194 posts · 148 votes
      6y

      @Joe Splitrock All fair points. Thank you for the perspective. Much appreciated.

    • Bob CollettPro Member
      Property Manager · Brecksville, OH · Member since 2014 · 486 posts · 464 votes
      6y

      Hi All

      I had 90% of my tenants pay April rent, but I have sent them many emails since this started, and outlined options for them.  I also benefited from screening tenants well prior to move in.  On the other hand, most tenants with jobs were working through most of March, so paying April rent is not that big of a deal.  I am more concerned about May rents.

      Meanwhile, landlords now appear eligible for SBA assistance as is most other small businesses. We are going to need it.

      Still, it seems that this could be a prelude to tremendous buying opportunities the like of which we have never seen in our lifetimes.

      It would be wonderful if the media and everyone else would stop telling tenants that they get a rent holiday.

      Bob

    • Rental Property Investor · Denham Springs, LA · Member since 2018 · 95 posts · 44 votes
      6y

      A lot of true comments in this thread. As OP I have low income tenants stating they don't have to pay rent. Fortunately enough I was able to talk them back to some common sense and make them pay their April dues. But how long will I be able to do so. It is unknown territory but this makes me re-think my strategy in investing in those neighborhoods (C class multifamily). I do not have these type of issues with my B class tenants. They understand the situation and will notify me as soon as their situation change. So I guess it all comes down to my screening process. I am more flexible with my multifamilies than I am with my SFH and until now it was OK. We all know investing in real estate has risks and this is one that I was willing to take.

      So is it unfair to have moratorium on evictions and rents? From a landlord point of view it is. Is it necessary? It is for people that are really affected by the locked down and lost their job/income. The ones that are taking advantage of the situation and "faking" hardship will have to face reality when all will return to normal. Either pay what is due or get evicted!

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