Published on: 11 July 2023
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I can't pay my rent: what should I do?
Are you in a complicated financial situation and struggling to pay your apartment rent? There are several options and aids available to help you get through this difficult time.
Studapart provides an overview of the different possibilities and aids available to tenants who can no longer pay their rent.
What solutions are available if I'm having trouble paying my rent?
Talk to your landlord
It's the first step to take: discuss the issue with your landlord. They also have an interest in finding an amicable solution.
You can request a temporary adjustment to the terms of your lease:
- an additional payment deadline for paying the rent, and/or utilities;
- spreading the payment of your rent over several installments.
The landlord is free to accept or refuse the tenant's proposal, but if they accept, it is important to formalize your agreement in writing and have both parties sign it.
Apply for social assistance
Several organizations offer assistance that can be helpful if you have difficulty paying your rent:
- The CAF :
- If you are not already a beneficiary: you can apply for housing assistance (APL - Personalized Housing Assistance, ALS - Social Housing Allowance, or ALF - Family Housing Allowance).
- If you already receive one of these allowances: you can still get in touch with your CAF (Family Allowance Fund), which can assist you in repaying unpaid rent and, under certain conditions, maintain your housing assistance.
- Furthermore, the amount of housing allowances may be revised following a change in circumstances (such as family or professional situations): be sure to inform the CAF as soon as possible of any changes that may lead to an increase in your allowances (birth, death, dismissal, etc.).
- Action Logement : The organization offers free and confidential social support to help employees (or former employees) of a private company with at least 10 employees. This service can be requested for difficulties in paying rent, utilities, or repaying a mortgage on a primary residence and may take the form of a grant or an interest-free loan.
We provide an overview of the various housing assistance options and the conditions for eligibility in our article.
Initiate an over-indebtedness procedure
In addition to your difficulties in paying your rent, do you have at least one other unpaid debt?
You can contact the individual over-indebtedness commission by submitting an over-indebtedness file to the Bank of France.
If your file is accepted:
- the commission will help you postpone, stagger, or even in some cases, erase your debts;
- actions against you will be suspended: for example, if you have an ongoing eviction procedure, it will be put on hold.
Prevent unpaid rent with Studapart
We are experts in medium and long-term rentals in France. Our ambition? To reinvent renting with a simplified online experience and a dedicated team that supports both tenants and landlords.
To secure your rental and reassure landlords, we help you strengthen your rental application by certifying your supporting documents and making you eligible for the Studapart Guarantee.
This guarantee protects against unpaid rent up to €96,000. This should reassure your future landlord!
Discover the culture of better housing, dear to Studapart!