Question about Bankruptcy and Lease Renewal

We messaged last month about my consideration for bankruptcy. You stated that the apartment cannot evict me if I file for bankruptcy. I have a follow-up question: Can the landlord choose to not extend a lease renewal after I file, even if I have a perfect payment history?

Sorry to hear you’re going through this. From what I understand, a landlord doesn’t have to renew your lease even if you’ve been a good tenant, especially after filing for bankruptcy. But they can’t evict you for nonpayment if you file, as long as you’re current on your rent.

@Tracy
That’s a relief to know, thank you!

In general, yes, the landlord can choose not to renew the lease after bankruptcy, even if you’ve paid rent on time. Bankruptcy mainly protects you from eviction if you’re behind on payments or about to be evicted.

@Rin
I was hoping that wouldn’t be the case. I guess there’s nothing to do but wait and see. Thanks for the info.

I went through a similar situation. My landlord did not renew my lease after I filed, despite being up to date on rent. Unfortunately, they are allowed to do that.

Zane said:
I went through a similar situation. My landlord did not renew my lease after I filed, despite being up to date on rent. Unfortunately, they are allowed to do that.

That’s tough. I hope I don’t have to deal with that. Thanks for sharing your experience!

It’s frustrating, I know. But even if the landlord decides not to renew, you can still live in the apartment without fear of eviction for nonpayment if you’re filing under Chapter 7. Keep that in mind as you move forward.

@Cameron
I’m just hoping for some stability right now. I appreciate the reassurance!

Make sure to include your landlord in the bankruptcy filings as well, even if you’re current on rent. They will be notified, and this can help prevent any issues with the lease renewal down the line.

Mika said:
Make sure to include your landlord in the bankruptcy filings as well, even if you’re current on rent. They will be notified, and this can help prevent any issues with the lease renewal down the line.

I’ll be sure to do that, thank you!

As long as you continue paying rent, filing for bankruptcy shouldn’t impact your ability to stay. However, the landlord can still opt not to renew the lease. It’s just a tough situation to be in.

Noor said:
As long as you continue paying rent, filing for bankruptcy shouldn’t impact your ability to stay. However, the landlord can still opt not to renew the lease. It’s just a tough situation to be in.

Yeah, it’s a bit of a gamble, but I’ll manage. Thanks for your input!

Just a heads up, when you file, landlords are still required to honor the lease as long as you’re up to date with payments. However, they can choose not to renew, which can feel like a setback.

Ben said:
Just a heads up, when you file, landlords are still required to honor the lease as long as you’re up to date with payments. However, they can choose not to renew, which can feel like a setback.

I didn’t realize it could happen like that. Thanks for clarifying!

I’d suggest getting your bankruptcy paperwork sorted and make sure you include the landlord. Even if they don’t renew the lease, you’re still protected for eviction, as long as you’re paying rent.

Parker said:
I’d suggest getting your bankruptcy paperwork sorted and make sure you include the landlord. Even if they don’t renew the lease, you’re still protected for eviction, as long as you’re paying rent.

I’m on it. I’ll follow up with my bankruptcy filing. Thanks for the guidance!

Your landlord does have the right not to renew, even if you’re in good standing. However, filing for bankruptcy can delay eviction if you’re behind. It’s tricky, but you’ll have some time to work things out if needed.

@Darby
Thanks for the reassurance! I’m hoping it doesn’t come to that, but it’s good to know I have options.

It might be worth discussing with your landlord directly. Some landlords may be more willing to renew leases for tenants who are upfront about their bankruptcy and payment history.