Stage 4 pancreatic cancer (by MMIT [VA]) Sep 23, 2022 4:26 PM
Stage 4 pancreatic cancer (by James [GA]) Sep 23, 2022 5:07 PM
Stage 4 pancreatic cancer (by Richard [MI]) Sep 23, 2022 5:24 PM
Stage 4 pancreatic cancer (by plenty [MO]) Sep 23, 2022 5:52 PM
Stage 4 pancreatic cancer (by Bonanza [NC]) Sep 23, 2022 6:36 PM
Stage 4 pancreatic cancer (by Jim in O C [CA]) Sep 23, 2022 6:58 PM
Stage 4 pancreatic cancer (by Tonia [RI]) Sep 23, 2022 7:15 PM
Stage 4 pancreatic cancer (by MMIT [VA]) Sep 23, 2022 8:17 PM
Stage 4 pancreatic cancer (by Hoosier [IN]) Sep 23, 2022 8:29 PM
Stage 4 pancreatic cancer (by Ken [NY]) Sep 23, 2022 10:04 PM
Stage 4 pancreatic cancer (by Dee Ann [WI]) Sep 23, 2022 10:45 PM
Stage 4 pancreatic cancer (by Robert J [CA]) Sep 24, 2022 4:37 AM
Stage 4 pancreatic cancer (by gevans [SC]) Sep 24, 2022 7:20 AM
Stage 4 pancreatic cancer (by Vee [OH]) Sep 24, 2022 8:10 AM
Stage 4 pancreatic cancer (by S i d [MO]) Sep 24, 2022 8:17 AM
Stage 4 pancreatic cancer (by Pat [VA]) Sep 24, 2022 8:54 AM
Stage 4 pancreatic cancer (by Tony [NJ]) Sep 24, 2022 8:59 AM
Stage 4 pancreatic cancer (by MAT [PA]) Sep 24, 2022 8:59 AM
Stage 4 pancreatic cancer (by DJ [VA]) Sep 24, 2022 9:04 AM
Stage 4 pancreatic cancer (by Oregon Woodsmoke [ID]) Sep 24, 2022 10:19 AM
Stage 4 pancreatic cancer (by Ray-N-Pa [PA]) Sep 26, 2022 7:43 PM
Stage 4 pancreatic cancer (by MMIT [VA]) Posted on: Sep 23, 2022 4:26 PM Message:
Tenant texted this morning to let me know that she has been in the hospital and was diagnosed with stage 4 pancreatic cancer this week.
Her doctors are coming up with a treatment plan that will involve chemo and or radiation. She got a port this week.
Since the diagnosis, she is not working. She is current on her rent, but, does not have any savings. She is in her 40’s. Her daughter graduated from high school this past June and is going to the local community college. No husband, reliable boyfriend, or extended family.
She will go on social security disability and Medicare/Medicaid, but, I don’t think that will be enough to cover her rent and other expenses.
What do I do?
Are there financial assistance programs for people who have a terminal illness?
Thanks
--98.225.xx.xx |
Stage 4 pancreatic cancer (by James [GA]) Posted on: Sep 23, 2022 5:07 PM Message:
If it were me, I'd reach out to the local communication action. Is she a member of a church, ask there. I'd spend a few minutes helping her track down resources if it were me.
Do you have a cheaper apartment available? --79.220.xx.xxx |
Stage 4 pancreatic cancer (by Richard [MI]) Posted on: Sep 23, 2022 5:24 PM Message:
That is really too bad. I feel for her.
What I would do is verify that it is what she says and if so, I would help her find the help she needs. I would tell her not to worry and I would cancel the rent or part of it until she passed or got better. Likely a few months will do it either way. I'm at a point where not getting rent on one place is not going to affect me much and it would help her. --24.180.xx.xx |
Stage 4 pancreatic cancer (by plenty [MO]) Posted on: Sep 23, 2022 5:52 PM Message:
any of those Covid rent paying programs out there... there are in my state. They will pay but there is paperwork and a process. I would encourage her to enlist a Social Worker while at the hospital and they will be of GREAT HELP and they have the resources and can be her patient advocate. --172.58.xxx.xxx |
Stage 4 pancreatic cancer (by Bonanza [NC]) Posted on: Sep 23, 2022 6:36 PM Message:
That's a tough situation for her and for you.
do you have the financial resources to survive if she does not pay for 6 months?
I found this on the internet with Dr Google.
The life expectancy for stage 4 pancreatic cancer is very low, estimated to be about three to five months. By stage 4, pancreatic cancer has spread to and damaged surrounding organs, which makes it difficult to treat.
--12.21.xxx.xxx |
Stage 4 pancreatic cancer (by Jim in O C [CA]) Posted on: Sep 23, 2022 6:58 PM Message:
Not good and will not get better. --99.23.xxx.x |
Stage 4 pancreatic cancer (by Tonia [RI]) Posted on: Sep 23, 2022 7:15 PM Message:
Oh so sorry, my thoughts and prayers for her. I am with Richard with this one. Try work with her best possible. Lost a dear friend to this disease. This stage is 3 to 4 months tops. I would be concerned about her daughter as well. --71.117.xxx.xx |
Stage 4 pancreatic cancer (by MMIT [VA]) Posted on: Sep 23, 2022 8:17 PM Message:
This is the least expensive unit I have.
My wife and I are retired, our kids are in good shape, so we do not spend much money. Collecting her rent will not effect our life style at all.
The question really is what is the right thing to do? And how do I, as a landlord, help her through this next phase of her life?
Or phrasing it another way, how does a landlord help a tenant die with dignity?
The Covid funding for Virginia has been spent.
She does not belong to a church.
Her rent is $625/month.
How do I help her contact a social worker?
What do I do about the 18 year old daughter who is attending community college and is enrolled in the RN program?
Or should I step back and stick to the lease?
Thanks for your opinions and thoughts! --98.225.xx.xx |
Stage 4 pancreatic cancer (by Hoosier [IN]) Posted on: Sep 23, 2022 8:29 PM Message:
Not sure about the age 18 daughter, maybe will receive Medicaid? Suggest to her to talk with local SS office.
I would not get too personally involved, let family members lead, but at least get contact numbers for family.
Sad situation.
Even if she doesn’t have a church, talk with someone at YOUR church and simply ask for connections to local agencies. Also I’m sure Hospice knows all about local help agencies. --99.92.xxx.xxx |
Stage 4 pancreatic cancer (by Ken [NY]) Posted on: Sep 23, 2022 10:04 PM Message:
I would not get involved,i would follow the lease,i expect to get paid,the daughter needs to do what she needs to do to pay the rent,it shouldnt be expected of the landlord to help --74.77.xx.xx |
Stage 4 pancreatic cancer (by Dee Ann [WI]) Posted on: Sep 23, 2022 10:45 PM Message:
That poor soul; my prayers go out to her. I would enlist the Social Worker to find a local Social Services to aid in filling out the paperwork for Medicare/Medicaid ASAP. Medicare and Medicaid takes a couple months to get approved unless the social workers know or a probono attorney could get it done on an emergency basis. When her health is at the end, hospice is helpful. Both my parents had it; there is usually no cost for their services. They bring in what is needed to care for the person, a special bed, etc. and administer and monitor meds to lessen pain and counsel the person passing and family, in this case her daughter.
I hesitate to mention a go fund me page, but many have done it when there is nothing else until other help comes in. Perhaps there are scholarships that can be applied to for the daughter to continue her education. Does your tenant have life insurance? --75.11.xx.xx |
Stage 4 pancreatic cancer (by Robert J [CA]) Posted on: Sep 24, 2022 4:37 AM Message:
I had these issues and worked with my tenants. I never got all of my rent paid. But some social programs and the tenants church helped also. --47.156.xx.xx |
Stage 4 pancreatic cancer (by gevans [SC]) Posted on: Sep 24, 2022 7:20 AM Message:
Given your stated circumstances, I'd try to help her find assistance. But if she can't pay the rent... I'd let her live there anyway and die with some dignity.
You never know, the estate may pay the rent, or a relative...or you may never get paid.
Six month's rent, $3k... write it off if necessary. Send her estate a 1099 if there is nothing left. --216.218.xxx.xx |
Stage 4 pancreatic cancer (by Vee [OH]) Posted on: Sep 24, 2022 8:10 AM Message:
As others said try to get assistance from local charity, it will be hard for daughter having to sort out belongings - hopefully she knows a relative who will house her. --76.190.xxx.xxx |
Stage 4 pancreatic cancer (by S i d [MO]) Posted on: Sep 24, 2022 8:17 AM Message:
Cancer is part of life for some.
So is diabetes.
So is job loss.
So is death of a breadwinner spouse.
So is (fill in the blank)
Here's the problem: since I'm fairly certain your lease doesn't say, "In the event the tenant receives a clinical diagnosis of stage 4 pancreatic cancer, land lord will hop to it and find ways to assist tenant with living expenses, up to and possibly including rent cancelation."
If your lease does say that, then proceed.
However, if it does not and you choose to do some or all of the things suggested by the kind hearted folks above, you have now set a precedent in your business. If you do not treat other tenants the same, you will be guilty of discrimination. Illegal discrimination? Maybe. How might a judge look at it?
"Mmit, I see here you relent on your lease terms and do x,y, and z for this white female tenant when she had troubles and lost her job. Why are you evicting this Latino female who has a broken leg and lost her job?"
What answer will you give that any decent fair housing attorney will accept?"
The right thing to do is always the right thing to do: treat everyone fairly. Either adapt a policy that you will forgive rents and get personally involved with ANY tenant who las life struggles, or stick to the lease.
Heartless? No. Consistent. My guess is every other person who provides her with goods and services during this ordeal will expect to be paid unless they are specifically a charity organization. Why would you be any different?
If she moves out and you choose to forgive the balance owed after a brief period, that is fine. Collections do not have the same laws around them as do land lord/tenant relationships.
Step 1 is wait for it to become an issue. Today, it is a potential issue. Worrying about possible issues is like paying interest on a debt you never owed. If you want to compile a list of rent assistance organizations to pass on to her if/when it does become an issue, that's probably a good idea.
Step 2, once the rent goes unpaid, start the process.
I've seen dozens of stories on this board about LL'S who dove in and tried to take on the burden's of "life happened" to a tenant. Out of those dozens, the constant theme has always been "no good deed goes unpunished." Do whatever you think is best and tell us how it goes. Maybe you'll be the first to break the mold.
--184.4.xx.xx |
Stage 4 pancreatic cancer (by Pat [VA]) Posted on: Sep 24, 2022 8:54 AM Message:
Sid makes several very good points. Maybe this is why being a landlord can be difficult at times, we are not heartless but if we run it as the business that it is there will be times like this.
Sadly, the daughter is going to have to grow up very fast. I was a mom at 18, so maybe her plans will have to change or be postponed.
Otherwise, it's kind of like the situation at the border, IOW, how can we take on the world? --47.133.xxx.xxx |
Stage 4 pancreatic cancer (by Tony [NJ]) Posted on: Sep 24, 2022 8:59 AM Message:
My thoughts and prayers are for this tenant. Start by contacting Social Services (formerly Welfare in NJ).
I had a similar situation around 1990. Tenant contacted legal aid (now kno0wn as Legal Services)- who contacted me. Legal Aid told me to start an eviction, which I reluctantly did. Legal Aid said this would likely lead to tenant getting access to available resources. That didn't happen prior to court date.
I ended up picking up and driving the tenant to court. At the hearing, the legal aid lawyer learned and shared that welfare (now called Social Services) would pay the arrears and the tenant was fast-tracked on to section 8. Happy to say all the rent was eventually paid but sad to say the tenant died less than a year later. --73.215.xxx.xx |
Stage 4 pancreatic cancer (by MAT [PA]) Posted on: Sep 24, 2022 8:59 AM Message:
The skeptic in me wonders how you’ll feel when six months after she’s stopped paying rent, she decides to move out “to be closer to family in her final months.” And then a year from now you see her in the local grocery store. And two years from now, you run into her at the gas station, all while still owing you six months rent. For her sake, I hope she is lying, but we’ve all heard too many of these stories.
My mortgage company expects to be paid, and never once asks about my health. You should expect to be paid too. --173.49.xx.xx |
Stage 4 pancreatic cancer (by DJ [VA]) Posted on: Sep 24, 2022 9:04 AM Message:
I was thinking just like Sid - but I'm glad he posted first because he writes so well.
I would say also to be a kind landlord(as I'm sure you already are).
By that I mean you go by the lease, but also express sympathy for their troubles and encourage the TENANT and her DAUGHTER to seek out aid. Make a few suggestions like those that have been posted here that THEY can do (and other family/friends), but not YOU
Many times, a notice of unpaid rent is needed for them to be able to get assistance, so it's helping them. I might say that to them if it happens, "you can take this to xxx to show them your need for help". --68.229.xxx.xxx |
Stage 4 pancreatic cancer (by Oregon Woodsmoke [ID]) Posted on: Sep 24, 2022 10:19 AM Message:
It's a difficult situation, but it is not my job to provide end of life care for people who are barely more than strangers. Four to six months free rent for her and after that the daughter is still in your rental and she is in need of free rent also.
The hospital most likely has a social worker who is trained to deal with this situation, so contact the hospital. Their social worker will know where the charity money is and how to get it.
Talk to the tenant and find out what her wishes are about her belongings. Get something established now to clarify it.
The daughter is actually old enough to get a job that pays enough to pay such a low rent. If the daughter is in a college program, there might be aid money, special scholarships, grant money to help her out so that she can stay in school and pay the rent. Let the daughter know that she must get after that right now because it takes time to get things in place.
Go fund me is usually done by friends and family, so maybe the daughter would start a fund. As a landlord, I am not going to do the begging for a tenant. --76.178.xxx.xxx |
Stage 4 pancreatic cancer (by Ray-N-Pa [PA]) Posted on: Sep 26, 2022 7:43 PM Message:
Catholic Charities
Community Action Group
Local housing office has homelessness prevention grants
This is where I would start out. Our state has a 411 program also that could help link you to the health and human service departments that can assist you. --24.101.xxx.xxx |
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