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What is a Security Deposit? A security deposit is a payment required by a landlord from a tenant. It is paid to cover the possible expense of any repairs which the landlord may have make after a tenant moves out for damages to the rental unit greater than normal “wear and tear."

Housing

Leases

What Is a Lease? A lease is an agreement to rent a house or apartment made between a tenant and a landlord. A lease is both a contract (an agreement between two or more parties) and a conveyance (a transfer of a property interest). A lease can be oral (spoken) or written. A lease term (length) can last for any period of time, including month-to-month, year-to-year, or a definite period of time (e.g., one year). A lease for more than one year must be in writing.

Housing

Tips Before You Rent

Finding a safe and affordable place to rent takes time. Below are some important factors to consider: PLANNING AHEAD

Housing

Donating Tips

Check a Charity before you donate. For more information go to: Charity Watch If you click on this link you will be leaving this website.

Scams & Identity Theft

Indentity Theft - Contact the Missouri Attorney General

Identity theft is a form of taking, accessing, or using someone’s personal information such as their name, social security number, or credit card number, without their permission, pretending to be someone else by assuming another’s identity, or creating a fake identity.

Scams & Identity Theft

Guide to Home Ownership for People With Disabilities

Owning a home is a key part of the American dream. Unfortunately, if you have a disability, you may find it harder to afford to buy and retrofit a home to accommodate your needs. That’s because if you are unable to work or if you face significant medical expenses, you might not be able to qualify for a traditional mortgage or provide a 20% down payment. Home ownership for people with disabilities is often important because many rentals lack accessible options. Buying a home may be the best option if you need unique physical accommodations to your living spaces.

Disability Housing

LSEM's Link to Materials Concerning the CDC Anti-Eviction Moratorium Order

The Legal Services of Eastern Missouri (LSEM) maintains informational materials on their website regarding the Centers for Disease Control & Prevention's anti-eviction moratorium order. For more information go to: CDC Evic

Housing

Fact Finder: Renter's rights after the sale of a property

By Paul Adler Published: Nov. 17, 2021 SPRINGFIELD, Mo. (KY3) - Investors are buying into the rental home market to get a slice of rising rents. So, one of our viewers wants to know can a landlord sell a house and force you out with no notice? You should know if you’re in a home, the owner or landlord always has the right to sell the property.

Housing

How to Avoid Identity Theft - What You Should Do Checklist

Consider signing up for an identity theft monitoring service for yourself and other members of your family, including children. Don’t use the same password for multiple accounts. Make each password unique. Use a password manager to securely store your passwords. Monitor your kids, to know what they’re doing online. You can use apps for monitoring, and/or look at your router logs, or configure your router to block sites. Educate your kids about online safety. The earlier, the better.

Scams & Identity Theft

Steps You Can Take to Avoid Foreclosure

If you think you are near to foreclosure on your house, you can take steps to avoid the foreclosure. The Missouri Bar has published a brochure with valuable information for you. Click on the document below to open the brochure.

Housing