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Old 07-24-2017, 12:10 AM
 
1 posts, read 1,487 times
Reputation: 10

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We are currently living in Groton in a hotel since we came here for my husband's job at Electric Boat. We have a considerably long story, but I will condense it into a few sentences.

When we first got together after we had both went through divorces several years apart, we were both in financial messes. We rented an apartment in Norfolk, VA. We both were working low wage jobs (minimum wage there is still $7.25) and working in a skilled position still didn't pay much ($11- 12 an hour). Rent was very high due to the huge military population and high BAH. (Over $900 for a one bedroom in a bad neighborhood). Well, we had a HUGE misfortune. I got really sick. Cancer sick. I didn't have insurance because before Obamacare, I could not get insured. It financially ruined us even more. My spouse worked full time and was having a hard time with having the rent on his own and us being able to eat, let alone my medical bills. It was that bad. We had a local charity trying to help us with rent, but whenever they did, in order to do so, the apartment complex had to file an intent to evict per their policy. That happened twice. It shows in the civil court records, but then as "dismissed". The property changed hands, and when it did, the last month we were there, they refused to take our rent that month, terminated our lease, and filed eviction against us. It went to court without us being notified after we left VA. There was a judgment placed against us for the months rent and court costs. We have paid this in full.

Now that we are here, we have been living in a hotel by the week.The management here love us, as we are not their normal clients. In two months, we will have been here for a year. We hate it. We have both lived in military housing here before while active duty. I don't know if they have tenant records going back more than 10 years, but we left on good terms. I do know they now rent to civilians working at EB, DoD, etc.We would live there in a New York second. I now get Social Security, and him, well he makes incredibly good money... as we can pay a months rent in a week. We have hired an attorney in VA who is trying to get the eviction off of our record/ credit reports. (The eviction took place four years ago). Before the divorce (in my case), I was a homeowner of a 2500 sq ft 4 bedroom home in FL. Per the divorce ruling, it was sold.

All we are trying to do is find a modest place with two bedrooms ( We have grown children who like to come and visit.) with rent around what we are paying now for our room ($1500) that will take us here in Groton seeing how almost everywhere has the "no evictions" policy and LOVE the Experian Tenant Score "background check". We have talked to some less than pleasant private owners. We would consider Southern RI, as I am originally from RI.

Anyone have ideas about what to do when you have had misfortune?
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Old 07-24-2017, 05:26 AM
 
1,331 posts, read 2,637,182 times
Reputation: 959
Usually churches are good about helping with housing difficulties. Not my business if you have any religious affiliation, but asking for help there would be the first and best option in my book.
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Old 07-24-2017, 07:16 AM
 
1,985 posts, read 1,463,851 times
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As Of this month some of the judgments may drop off thanks to changes at the credit Bureaus.

Short of that your best bet will be a private renter like a 2-3 family house. I know people with bad records who have managed those before, as they can explain themselves to the owner. Also check with the various housing authorities.
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Old 07-24-2017, 08:31 AM
 
8,504 posts, read 4,584,165 times
Reputation: 9756
I would think you would have more success with a private homeowner in a multi-family resodence. I private homeowner would have more flexibility and be able to make decisions on their own. You may want to offer more for a security deposit, say an additional month's rent which might allay financial concerns.
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Old 07-25-2017, 02:44 AM
 
13,754 posts, read 13,360,237 times
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shame you can't go to the privatized housing near the sub base. have you tried that? being with EB should be enough to get you in. the rent cost includes all utilities, tv, internet, trash, grounds, snow removal. Hard to beat!
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Old 07-25-2017, 08:53 AM
 
Location: Connecticut
35,020 posts, read 57,115,243 times
Reputation: 11265
Quote:
Originally Posted by hunterseat View Post
shame you can't go to the privatized housing near the sub base. have you tried that? being with EB should be enough to get you in. the rent cost includes all utilities, tv, internet, trash, grounds, snow removal. Hard to beat!
I agree. They should at least try for it or other housing too. Jay
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Old 07-25-2017, 07:41 PM
 
Location: Fairfield County CT
4,475 posts, read 3,375,245 times
Reputation: 2800
Quote:
Originally Posted by Groton04 View Post
I now get Social Security,
I am thinking either you are retired or are on disability because of your illness. There is a global number to call in CT and then they get you to the correct office/help. I can't remember where it is but start with this page. I have helped family members where I had no idea what to do and called the number and I always in some way got the help/advice needed.

DSS: Contact Us

Make sure you tell them you are on Social Security.
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Old 07-26-2017, 08:44 AM
 
Location: Connecticut
5,104 posts, read 4,851,171 times
Reputation: 3636
Quote:
Originally Posted by CTartist View Post
I am thinking either you are retired or are on disability because of your illness. There is a global number to call in CT and then they get you to the correct office/help. I can't remember where it is but start with this page. I have helped family members where I had no idea what to do and called the number and I always in some way got the help/advice needed.

DSS: Contact Us

Make sure you tell them you are on Social Security.
I believe the global number for DSS inside CT is 211. Most likely they don't deal with SS benefits, but may be able to point you in the right direction.

As for the rental situation, yes you will have better luck with private landlords, however I would be very hesitant to offer more than 2 months of rent as a security deposit. Two months of rent is the max legal amount a landlord can ask for in CT. If you are age 62 or more the max security deposit allowed in CT is one month.

This is an issue since some less than ethical landlords take the additional security deposit(s) and keep them (and its not written in the rental contract). This is more of an issue in NYC, but happens in CT too on occasion. If you agree to something like this, most likely you won't be able get that money back even in a court of law.
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Old 07-29-2017, 08:03 AM
 
Location: Morrison, CO
34,262 posts, read 18,641,890 times
Reputation: 25843
A few years ago I was a contract employee/consultant to Pfizer in Groton which is next to Electric Boat. I got an apartment in Mystic for $600/month, and would stay there M - F, then commute back to my house in suburban Philly for the weekends. It was more or less an efficiency, but did have a separate, albeit small, bedroom. You may want to check around for something like that, maybe even Stonington, or even away from the coast, more inland. It's probably less expensive there.
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