Difficulties with paying mortgage

• listWhat are the assistance in paying the mortgage?
  Most of the banks are offering mortgage deferral assistance during the pandemic.
• accessibilityWhat needs to be done?
  Call your bank and ask for a temporary deferral assistance. Most of the banks have an online mortgage deferral application service.
• linkLinks
  BMO - https://www.bmo.com/main/personal/bmo-branches-coronavirus-update
  CIBC - https://www.cibc.com/en/personal-banking/advice-centre/covid-19.html
  RBC - https://www.rbc.com/covid-19/index.html
  TD - https://www.td.com/ca/en/personal-banking/covid-19/
  Scotiabank - https://www.scotiabank.com/ca/en/personal/scotia-support/latest-updates.html

Difficulties with paying rent

• listWhat is the rental payment arrangement policy?
  This policy is for tenants in residential and mobile homes who suffer issues paying their rent because of COVID-19. This policy is based on the Ministerial Order issued by Service Alberta Minister Nate Glubish on March 27, 2020. No tenant can be evicted due to failure to pay rent or utilities until May 1, 2020. Rent will not increase until the State of Public Health Emergency in Alberta is eliminated. Late fees cannot be applied to late rent payments until June 30 and cannot be charged retroactively during this time.
• accessibilityWhat need to be done
  Talk to your landlord to explain your situation and discuss a rental payment plan. The links below contain a template letter that you could use. The links below contain a template letter that you could use.
• linkLinks
  Suspending Eviction Enforcement
  Rent Payment Plans
  Ministerial Orders

Difficulties with paying credits

• listApply for Credit Payment Deferral
  Personal banking customers can apply for a deferral on their loans, lines of credit and mortgages for up to 6 months. Alberta credit unions Credit union members will have access to a variety of programs and solutions designed to ease difficulties with loan payments and short-term cash flow. Contact your credit union to work out a plan for your personal situation Source: Government of Alberta, https://www.alberta.ca/covid-19-supports-for-albertans.aspx

Difficulties with paying utility bills

• listApply for Utility Payment Deferral
  
  Residential, farm and small commercial customers can defer electricity and natural gas bill payments for the next 90 days to ensure no one will be cut off, regardless of the service provider.
  Covered: until June 19, 2020
  Eligibility
  * You are eligible if you are experiencing financial hardship and cannot make your regular payments as a result of the COVID-19 pandemic.
  * This applies to bills for residential, farm and small commercial: a) consumers, who consume less than 250,000 kilowatt hours of electricity per year; b) natural gas consumers, who consume less than 2,500 gigajoules per year
  How to defer utility payments
  To arrange for a deferral and repayment plan, contact your natural gas or electricity provider directly.
  You can sign up for the deferral at any time; however, the deferral ends on June 19, 2020. After June 19, the agreed upon repayment plan will be implemented.
  In situations where rent and utilities are combined, contact your landlord directly to discuss the circumstances.
  Source: Governmenet of Alberta (https://www.alberta.ca/utility-payment-deferral.aspx, Accessed April 3, 2020)