TORONTO: KEEP YOUR RENT (April 1)

KEEP YOUR RENT – TORONTO (Facebook organizing group)

Some of us have run out of money or don’t have much left. Some of us may have barely enough and are hoping things don’t get worse. Some of us may be okay right now and are telling ourselves things will work out. But none of us knows for sure. What we do know is people are getting sick. People are losing their jobs or are having their hours cut. We know schools are closed. We know lines at grocery stores are long. We know we should try to prepare. We know we need to be responsible. We know some people feel scared. We know some people feel alone. We know people need help now, and more will soon.

And we all know rent is due.

We should keep our rent. Our landlords will be fine. We may not be. No tenant should feel forced to hand over so much money when faced with so much uncertainty. You should keep your rent. Whatever you have, hang on to it. Once you give it to your landlord, it’s gone. You won’t have it for food or for medicine. You won’t have it for you, your family, your friends, your neighbours, or your co-workers – no-one. Your landlord will have it. It will go in their bank account and it will secure their investments. While you and everyone you care about stares down the barrel of insecurity.

Sure, it’s against the rules. The rules say that when the calendar says the 1st, the landlord gets paid. Not this time. We’re keeping our rent. We will not be forced to go without because those with so much say we should. We know what we should do. We should support each other, we should defend each other, and we should provide for each other.

So that’s what we will do. We will keep our rent.

KEEPING YOUR RENT: WHAT YOU NEED TO KNOW (FAQ)

Why keep my rent? 

You may need it. COVID-19 may be a long-term public health crisis. The number of people who have lost their jobs continues to grow. The pandemic is already making life harder for the majority of us, and we can’t afford to assume it is going away anytime soon.

There is strength in numbers. Thousands of us deciding to keep our rent gives us the resources to better provide for the health and well-being of our families and communities. Social distancing helps stop the spread of COVID-19. It doesn’t stop us from taking the collective action of keeping our rent.

Aren’t there no more evictions?

On March 19, in response to COVID-19, the Ontario Superior Court suspended all residential evictions “until otherwise ordered by the court”. This means that until otherwise stated, the Sheriff will not participate in the forceful removal of tenants from their homes. In addition, the Toronto Landlord and Tenant Board (LTB) has cancelled all hearings until at least March 27, 2020. With the eviction system at a stand still, landlords cannot bring tenants to the LTB and they cannot enforce evictions against tenants.

When the eviction suspension ends, won’t everyone get evicted?

No. Only the LTB can order a tenant to move out and only the Sheriff can physically remove someone from their home. Landlords can apply to the LTB to evict a tenant who has not paid rent, but only after the 14-day notice period in a properly served N4 notice. After the notice period expires, the landlord has 30 days to apply for eviction at the LTB. A hearing at the LTB is usually scheduled in 3-6 weeks, and in light of the current crisis, potentially much longer, in advance.

At the LTB hearing the tenant can pay the rent owing and avoid eviction. However, the LTB may require the tenant to pay the landlord’s filing fee of $190. There are some exceptions to this that apply in a small minority of cases. If your landlord has taken you to the LTB before over rent, reach out to us for more information.

What if I can’t afford the $190 fee?

Tenants do not automatically become responsible for a landlord’s filing fees. Landlords apply for this and the tribunal then has to approve it. No-one should accept this outcome, for themselves or others. Attempts to force tenants to pay for their landlord’s legal attacks can and should be fought. 

During the 2017 MetCap rent strike, Parkdale Organize was able to fundraise a defense fund to help cover $190 filing fees against tenants. The force of the rent strikers’ actions defeated MetCap’s attempt to evict them and the money was never used. This is because there were hundreds of tenants involved and MetCap was unable to pursue evictions against everyone at once. If necessary, that money will be made available and it is entirely possible that more money would be fundraised.

Keeping my rent could be riskier for me than for other people. Why should I take part?

Keeping our rent might be riskier for some people than others. Especially if they are forced to go it alone. It’s important to acknowledge that. This makes it especially important for tenants in more secure positions to not just participate but commit to defending one another down the road, if it comes to that. For the most marginalized among us, KeepYourRent is not a choice — it’s a necessity. Either they need that money to feed their family, or they just don’t have it to begin with. If you think you are in a position to choose, please choose to stand with others who aren’t. Marginalized people are most at risk when singled out and isolated. KeepYourRent is about acting together, so that those who are most marginalized are not left to deal with this crisis alone.

What might my landlord do?

1. Legal Action

Landlords may issue an N8 eviction notice alleging the tenant frequently paid rent late. Again, the Landlord has to apply to the LTB. The risk of eviction at an N8 LTB hearing is lower than at an N4 hearing for non-payment of rent. At an N8 hearing the LTB could order the tenant to pay rent on time for the next year or be evicted without a hearing.

Landlords also have the option of applying to the LTB to order a tenant to pay the rent owing. In this case there is no eviction, only an order to pay the landlord.

2. Undermine organizing

To undermine tenants collectively keeping our rent, big, corporate landlords will come out with rent deferral or rent relief schemes. These programs will not benefit tenants. Instead, they will put tenants into rent repayment agreements with their landlords. Tenants who make individual deals with landlords weaken the collective strength of keeping our rent.

Individual landlords may directly confront tenants who keep their rent. They may try and intimidate and harass tenants.

3. So, what can we do about that?

Landlords are often real brave when dealing with individual tenants. Not so much when there’s more of us. It’s critical that the people around us know what is going on and that we support each other. Within buildings and on blocks people can keep in touch about what is going on and what landlords may be trying to do. Word can also be spread through social media. Landlord’s phone numbers can be found, and their homes and businesses can be visited just as easily as our homes can be. This is not something they enjoy. But it is very much something we should be willing to do. Together. 

My rent is paid directly by my bank or OW or ODSP. How can I keep my rent?

Tenants whose rent is paid directly to the landlord can still keep their rent. Contact your bank online or by phone and cancel your landlord as a payee immediately. They can be reinstated at a later date. 

Tenants on social assistance can contact their Ontario Works or ODSP caseworker to cancel their rent pay-direct. Tenants whose rent is paid directly to the landlord can still keep their rent. If your caseworker denies your request, contact us for support. Tenants can pressure the local Ontario Works or ODSP office to stop denying tenants’ requests to cancel their rent pay-directs.

I live in a small building. Can I keep my rent?

Tenants in small buildings or single units like basement apartments might feel isolated and less confident in keeping their rent. That’s why we’re creating ways for tenants to communicate online and by phone. Join in and stay in touch! By keeping your rent you make it possible for other tenants to feel more confident in keeping theirs. Ongoing communication will be critical for our ability to respond in cases requiring collective support.  

The government has made lots of announcements. Can’t we just wait for rent relief?

The government has made a lot of announcements but they have not cancelled rent. We have no reason to believe they will. By keeping our rent, we take back authority over our lives and our families’ futures.

Why aren’t we pushing for stronger government action? 

The clock is ticking. April 1st is around the corner. We can make this decision now. This decision will put more pressure on the government than any petition or letter to the editor. AND we guarantee ourselves access to our own money. Two birds. One stone.

What about my Landlord? 

Landlords’ resources will allow them to withstand the COVID-19 pandemic better than most, while tenants are more and more concerned with our daily survival. The government has already announced financial support and mortgage suspensions for businesses and landlords. By keeping our rent we will have more money for groceries, medicine, disinfectant supplies, and other basic necessities. Our landlords will be fine without our rent. We may not be.

Why keep my rent? 

You may need it. COVID-19 may be a long-term public health crisis. The number of people who have lost their jobs continues to grow. The pandemic is already making life harder for the majority of us, and we can’t afford to assume it is going away anytime soon.

There is strength in numbers. Thousands of us deciding to keep our rent gives us the resources to better provide for the health and well-being of our families and communities. Social distancing helps stop the spread of COVID-19. It doesn’t stop us from taking the collective action of keeping our rent.

Aren’t there no more evictions?

On March 19, in response to COVID-19, the Ontario Superior Court suspended all residential evictions “until otherwise ordered by the court”. This means that until otherwise stated, the Sheriff will not participate in the forceful removal of tenants from their homes. In addition, the Toronto Landlord and Tenant Board (LTB) has cancelled all hearings until at least March 27, 2020. With the eviction system at a stand still, landlords cannot bring tenants to the LTB and they cannot enforce evictions against tenants.

When the eviction suspension ends, won’t everyone get evicted?

No. Only the LTB can order a tenant to move out and only the Sheriff can physically remove someone from their home. Landlords can apply to the LTB to evict a tenant who has not paid rent, but only after the 14-day notice period in a properly served N4 notice. After the notice period expires, the landlord has 30 days to apply for eviction at the LTB. A hearing at the LTB is usually scheduled in 3-6 weeks, and in light of the current crisis, potentially much longer, in advance.

At the LTB hearing the tenant can pay the rent owing and avoid eviction. However, the LTB may require the tenant to pay the landlord’s filing fee of $190. There are some exceptions to this that apply in a small minority of cases. If your landlord has taken you to the LTB before over rent, reach out to us for more information.

Should I hold on to my rent or can I spend it?

One of the reasons people are participating in Keep Your Rent is because they don’t have rent or will need their rent money for food, security or supplies. It is each person’s decision whether they spend it, save it or how they spend it. No one can guarantee the outcome of this movement. We can’t promise people that they will never have to pay April’s rent. But our aim is to organize together to try and ensure we have access to potentially critical resources for working class people during this crisis. If landlords mount threats of eviction or legal retribution against working class people who are making the reasonable and responsible decision to keep their rent under these circumstances, working class people will have to defend each other and ourselves from those attacks. That is also something we, as working class people need to responsibly prepare for. That means not only keeping your rent on April 1 but being willing to support everyone else who has.

What might my landlord do?

1. Legal Action

Landlords may issue an N8 eviction notice alleging the tenant frequently paid rent late. Again, the Landlord has to apply to the LTB. The risk of eviction at an N8 LTB hearing is lower than at an N4 hearing for non-payment of rent. At an N8 hearing the LTB could order the tenant to pay rent on time for the next year or be evicted without a hearing.

Landlords also have the option of applying to the LTB to order a tenant to pay the rent owing. In this case there is no eviction, only an order to pay the landlord.

2. Undermine organizing

To undermine tenants collectively keeping our rent, big, corporate landlords will  come out with rent deferral or rent relief schemes. These programs will not benefit tenants. Instead, they will put tenants into rent repayment agreements with their landlords. Tenants who make individual deals with landlords weaken the collective strength of keeping our rent.

Individual landlords may directly confront tenants who keep their rent. They may try and intimidate and harass tenants. Tenants should document these interactions and reach out for support immediately.

My rent is paid directly. How can I keep my rent?

Tenants whose rent is paid directly to the landlord can still keep their rent. Contact your bank online or by phone and cancel your landlord as a payee immediately. They can be reinstated at a later date. 

Tenants on social assistance can contact their Ontario Works or ODSP caseworker to cancel their rent pay-direct. Tenants whose rent is paid directly to the landlord can still keep their rent. If your caseworker denies your request, contact us for support. Tenants can pressure the local Ontario Works or ODSP office to stop denying tenants’ requests to cancel their rent pay-directs.

I live in a small building. Can I keep my rent?

Tenants in small buildings or single units like basement apartments might feel isolated and less confident in keeping their rent. That’s why we’re creating ways for tenants to communicate online and by phone. Join in and stay in touch! By keeping your rent you make it possible for other tenants to feel more confident in keeping theirs. Ongoing communication will be critical for our ability to respond in cases requiring collective support.   

The government has made lots of announcements. Can’t we just wait for rent relief?

The government has made a lot of announcements but they have not cancelled rent. We have no reason to believe they will. By keeping our rent, we take back authority over our lives and our families’ futures.

Why aren’t we pushing for stronger government action? 

The clock is ticking. April 1st is around the corner. We can make this decision now. This decision will put more pressure on the government than any petition or letter to the editor. AND we guarantee ourselves access to our own money. Two birds. One stone. 

What about my Landlord? 

Landlords’ resources will allow them to withstand the COVID-19 pandemic better than most, while tenants are more and more concerned with our daily survival. The government has already announced financial support and mortgage suspensions for businesses and landlords. By keeping our rent we will have more money for groceries, medicine, disinfectant supplies, and other basic necessities. Our landlords will be fine without our rent. We may not be.

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