Resources

TRIP is offering free WIFI access at 378 Tenth Street.

Once you are in the vicinity of the building;

Look for Community Hot Spot Name:
Community Access at TRIP
Password:
BeOurGuest!

Tell us about your experience living in the Hillside North and North Central neighborhood!

This 10-minute survey will help TRIP understand how YOU see the community.

You can: Go online at https://bit.ly/3hSBCgj, or

Call 518-272-8289 ext. 234 or email info@triponline.org to request a paper survey or to do the survey by phone.

*Each household who submits the completed application will get a $5 gift card AND be entered to win an additional $100 gift card.

*Must be 18 years or older. Must live between Hoosick and Ingalls and Oakwood and River Streets.

*One survey per household please.

COVID-19 Related

Social Emotional Support

Supporting Families COVID 19

Financial

Resources from the Consumer Financial Protection Bureau

https://www.consumerfinance.gov/practitioner-resources/your-money-your-goals/toolkit/

Tools to help when you can’t pay your bills @ https://www.consumerfinance.gov/about-us/blog/tools-to-help-pay-bills/?utm_source=newsletter&utm_medium=email&utm_campaign=OCA

Protect Yourself Financially from the Impact of Coronavirus @ https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/

Protect yourself financially from the impact of the coronavirus | Consumer Financial Protection Bureau

This blog was originally posted on March 13, 2020 and has been updated on April 3, 2020 to reflect new information. You can take steps to help protect yourself or a loved one from the financial impact of the coronavirus.

www.consumerfinance.gov

Tools to help when you can’t pay your bills | Consumer Financial Protection Bureau

If you are having trouble paying your bills we have tools to help you take stock of your finances and make the hard decisions about which bills to prioritize as you deal with the financial impacts of the coronavirus.

www.consumerfinance.gov

If you are able to pay your rent and/or mortgage, make sure to do so. You are still obligated for these payments, and it will be harder to pay them the longer you wait. If you are having financial difficulty, make sure to speak with your landlord, rental manager, or mortgage lender or servicer asap. Communication is key!

Eviction Moratoriums: NYS and Federal

NYS Eviction Moratorium covers all tenants and is a 90-day moratorium (through mid-June) on evictions, including pre-existing petitions and lockouts. See NYS Attorney General Letitia James press release with information about what landlords can and cannot do and where tenants can turn if needed at https://ag.ny.gov/press-release/2020/attorney-general-james-issues-tenant-guidance-new-yorkers-during-coronavirus.
Federal Eviction Moratorium only covers tenants in federally subsidized housing (such as public housing, Section 8 tenants and similar federal housing programs). It is a 120-day moratorium (until July 25 2020) that covers evictions only for nonpayment of rent; it does not protect tenants from evictions for reasons such as holdover and lease violation proceedings, nor does it cancel petitions and actions that were filed prior to this act.
For more information about Tenant Protections & Eviction Moratoriums Related to Covid, visit https://www.nhlp.org; https://utalbany.org/; https://hcr.ny.gov/covid-19-helpful-links-and-faqs#tenants; https://nlihc.org/coronavirus-and-housing-homelessness

Tenant Rental Assistance

The federal CARES Act and other recent stimulus packages (passed and pending) include funds to assist tenants with rent payments. However, it has not yet been sorted out about how these funds will be made available. There is also advocacy around providing mortgage assistance in future bills. Stay tuned.

Mortgage Relief Options for Homeowners Impacted by Coronavirus

[Note: See links at bottom to help you determine whether your loan is insured or owned by a government entity or if the institution that services your loan is chartered or licensed by the NYS Department of Financial Services]

Federal Rule Regarding Federally-backed Mortgages (FHA, VA, USDA, Fannie Mae, Freddie Mac)
- 60-day moratorium (after March 18, 2020). Prohibits lenders and servicers from beginning a foreclosure or finalizing a foreclosure judgment or sale. Does not to apply to vacant or abandoned properties
- right to request and receive forbearance on their mortgage payments for up to 6 months, with the option to extend for an additional 6 months (total max of 1 year), as well as the option to discontinue the forbearance at any time. During the forbearance period, servicers are prohibited from charging fees or interest beyond what the borrower would have had to pay if they were making their payments as scheduled.
NYS Executive Order Regarding SONYMA-backed Mortgages
- 90-day moratorium (effective March 25, 2020). Prohibits lenders and servicers from beginning a foreclosure or from finalizing a foreclosure judgment or sale. Does not to apply to vacant or abandoned properties. See https://hcr.ny.gov/node/22021#state-of-ny-mortgage-agency–sonyma-
- May request a forbearance up to 90 days (with repayment plan)
- Mortgage modification up to 90 days (repayment due within 3 months at end of mortgage)
- Extended mortgage term not to exceed 480 days.
NYS Emergency Regulation to Mortgage Servicers Regulated by the NYS Department of Financial Services*
- 90-day moratorium on foreclosures
- No negative reporting to credit bureaus
- Grace period for loan modification
- No late payment fees or online payment fees
- Eliminated ATM fees, overdraft fees, and credit card late payment fees for any individual who demonstrates financial hardship as a result of the COVID-19 pandemic
- For more information go to: https://www.dfs.ny.gov/consumers/coronavirus/mortgage;

If your mortgage does not fall into any of these categories, call your mortgage servicer or lender to discuss what options are available to you. Most of them will want to work with you.

Use the following links to determine whether your loan is insured or owned by a government entity or if the institution that services your loan is chartered or licensed by the NYS DFS:

For additional information, visit: