With the Georgia eviction moratorium now over, many renters are at risk of eviction for failing to pay their rent. Thankfully, there are several steps you can take to delay or entirely avoid eviction during this challenging time. From understanding eviction notices to securing extra cash through a title pawn, here's how you can stay in your home.

How to Avoid Eviction After the Georgia Eviction Moratorium Is Over

1. Understand The Eviction Notice

Before anything else happens, you will receive an eviction notice when your landlord decides to kick you out. It states the reason for the eviction and the period you have to comply or move. You can receive two kinds of eviction notices in Georgia. These are as follows:

• Demand or Termination Notice — You get this notice if you fail to pay rent or violate the lease or agreement. It gives you a timeframe to move out of the property. Georgia law doesn't state how many days your landlord needs to provide you. But if you don't adhere to the notice, you might be served with an eviction lawsuit, as per the Georgia Code Title 44 Chapter 7 Article 3 § 44-7-50.
• Sixty-Day Quit Notice — If you have a month-to-month rental contract, the notice gives you 60 days to move out, according to the Georgia Code Title 44 Article 1 § 44-7-7.

Don't panic too much. Sure, the Georgia eviction moratorium had been providing a certain level of protection which you are deprived of now. But even though these notices are scary, it isn't the end of the world. You might not be immediately evicted if the notice period ends. After all, eviction is a legal procedure with wait times totaling weeks and even months if your landlord files a lawsuit.

That in itself is a decent delay. But if you'd like something more concrete, it's worth following our other steps too.

2. Know Common Defenses to Eviction Cases in Georgia

Since the Georgia eviction moratorium has ended, you might get a notice to show up in court after a prolonged period of not paying your rent. If you’ve got one of those notices, you want to go armed with your best defenses. Some common defenses for eviction lawsuits in Georgia are as follows:

1. Self-Help Eviction Attempts: Landlords aren't allowed to evict you without a court order. Shutting off utilities (O.C.G.A. Title 44 Chapter 7 44-7-14.1), changing locks, taking your belongings, and removing the front door are not permittable eviction methods.
2. Payment in Full: You can have a legal defense in certain circumstances:
• You've now paid in full — Paying your rent in full within seven days of the eviction lawsuit letter will stop the eviction. You can only stop eviction in this manner once in twelve months, according to O.C.G.A. § 44-7-52.
• Your landlord hasn't made any necessary repairs — They must keep the rental property in good order. If they don't keep it up to scratch, they are legally not allowed to evict you. You can arrange for the repair and ensure the amount is deducted from your rent.
3. Landlord’s Failure to Make Repairs: Under the Georgia Fair Housing Act and the federal Fair Housing Act, your landlord cannot evict you based on national origin, familial status, gender, race, sexuality, disability, or religion. You can use the Fair Housing Act as your defense in this case.

3. Consult The Georgia Landlord Tenant Handbook

There aren't many laws regulating eviction activities in the state. But you can use the Georgia Landlord Tenant Handbook to challenge your case. It's published by the State of Georgia and gives you a lot of advice on commonly asked questions.

4. Get Emergency Cash with a Title Pawn

One way to cover overdue rent and prevent eviction is by using a title pawn to secure fast cash. Title pawns in Georgia are designed to help you tap into the equity of your car, providing funds when you need them most.

What Is A Car Title Pawn?

A car title pawn is a short-term loan that doesn’t require long-term commitment, hence, easier to pay off. To get it, all you need is to be 18 years of age or older and outright own a vehicle. You must be able to provide valid documentation to prove that you meet both requirements.

The process can be over and done within as little as half an hour, and you can even gain approval if you have bad credit!

Follow the steps below to get a car title pawn with Georgia Auto Pawn, Inc.:

1. Start by filling in the online inquiry form or contacting your local Georgia Auto Pawn, Inc. storefront via the phone.
2. If you submit the form, somebody from your nearest shop front will call you ASAP (typically within a matter of minutes). They will explain the required documents, describe the rest of the process, and answer any questions to ensure you're 100% happy before continuing.
3. After the conversation, go to your nearest Georgia Auto Pawn, Inc. store with your driver's license (or a different kind of state-issued photo ID), your vehicle, and your vehicle's lien-free title.
4. They will guide you through some simple paperwork and answer subsequent questions if you are eligible for approval.
5. After that, you could receive the money you need on the same day. And yes, you leave with your vehicle and can continue to use it as you please throughout the repayment period.

FAQs About Title Pawns in Georgia

Q: Can I get a title pawn if I have bad credit?
A: Yes! At Georgia Auto Pawn, Inc., your credit score isn’t the primary factor in determining approval.

Q: How fast can I get the money?
A: You can receive your funds the same day you apply, often in as little as 30 minutes after completing the necessary steps.

Q: Will I lose my car if I take out a title pawn?
A: No, you can continue to drive your car while you repay the loan. We hold the title as collateral but do not take possession of the vehicle.

Get a Car Title Pawn Today

If you're struggling to cover your rent and fear eviction, consider a title pawn from Georgia Auto Pawn, Inc. It can provide the emergency cash you need to stay afloat, even after the eviction moratorium has ended. Get started today by filling out our simple inquiry form online, and you can receive the money you need in no time.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.