AptFindCriminal

This Apartment Locating service is for Texans who have criminal issues on their background. I feel everyone deserves a nice place to live. This is a FREE service for the 70% of Texans living in Houston, DFW, San Antonio, and Austin metro areas. This is low cost FEE service ($100) for the people, 30%, that want to live in the other 35 cities including: Midland/Odessa, Corpus Christi, Victoria, The Rio Valley, Tyler, Laredo, Beaumont, Lubbock, Amarillo, Brownsville, Killeen, and Waco.

Sunday, May 5, 2024

How to outsmart a Collection Agency

Photo 181837913 © Andrey Popov | Dreamstime.com

Never Pay a Collection Agency Directly Without Determining the Legitimacy of the Debt. Sometimes, a debt collection company may reach out to you mistakenly or illegally.

A debt collection call also could be a scam. Never pay the money without first investigating the legitimacy and legality of the call.

In your dealings with a Debt Collector:

Keep a record of all communication with debt collectors.
Send a Debt Validation Letter and force them to verify your debt.
Write a cease-and-desist letter.
Explain the debt is not legitimate.
Review your credit reports.
Explain that you cannot afford to pay.

Research the debt, especially a broken lease:

Find out when your apartment was re-rented; you are not responsible for rent once the apartment complex has a new tenant,

Does the “make ready” expense minus your deposit seem excessive? Determine what the trrue amount should be.

The Apartment Application has a number of Optional Questions. Should I answer them?

Do I fill out the Optional Apartment Application Questions?

When filling out an apartment application, it’s generally a good idea to provide as much information as possible, even if some questions are optional. This can help you stand out as a potential tenant and give the landlord a more complete picture of your background and reliability. However, you should only fill out optional questions if the information is relevant and presents you in a positive light. If the optional information is repetitive or doesn’t add substantial value, it might be better to leave it blank.

Remember, you are not required to answer questions about race, national origin, sex, sexual orientation, religion, or disabilities, as these are protected characteristics under fair housing laws. If you’re unsure about any question, it’s okay to ask the landlord or property manager for clarification on why the information is being requested and how it will be used.

Ultimately, the decision to fill out optional questions should be based on whether the information will support your application and whether you’re comfortable sharing it. If you believe it will help your application, then it might be beneficial to include it. If not, it’s perfectly acceptable to leave those sections blank.

Saturday, May 4, 2024

A credit score of 620 or higher is often seen as acceptable for renting an apartment

In Texas, the credit score considered “good” by most apartment complexes can vary, but there are some general guidelines you can follow.
Typically, a credit score of 620 or higher is often seen as acceptable for renting an apartment. However, due to the competitive nature of some markets, such as Austin, landlords may look for scores over 700.

Here’s a breakdown of credit score ranges and what they might mean for renting:

300-579: Poor
580-669: Fair
670-739: Good
740-799: Very good
800-850: Excellent

It’s important to note that these ranges are general and the exact score required can differ based on the landlord or property management company’s policies. Additionally, the type of apartment (luxury vs. basic) can also influence the required credit score. For high-end buildings, the average score might be around 669, while for low-end units, it could be around 597.

If you’re concerned about your credit score, remember that landlords also consider other factors such as rental history, income, and references. If your score is lower than desired, offering a larger security deposit or finding a co-signer might improve your chances of approval.

Photo: 42890658 | Credit Report © Marek Uliasz | Dreamstime.com

Friday, May 3, 2024

My application was Rejected, can I challenge the decline?

If your rental application for an apartment in Texas has been declined, the best course of action is to immediately check the denial letter you received. This letter should detail any potential appeal process and the deadline for submitting your appeal. It’s important to act quickly because the timeframe for challenging a decline can be quite short; I’ve seen as little as 3 days.

For federally funded apartment communities, such as Section 8 housing, the denial letter will specify the appeal process and the deadline. If you believe the reason for your appeal is valid, you may be granted a hearing to discuss the matter further.

In general, it’s advisable to send an appeal letter within a week of receiving the denial2. Ensure that the unit is still available before sending your appeal. Gather all necessary evidence and send it via certified mail to confirm receipt. Follow up with an email 48 hours after receipt if you haven’t received a response.

Remember, each property management may have different policies, so it’s crucial to review the specific guidelines provided by the apartment complex or consult with a legal professional for advice tailored to your situation. The information provided here is based on general practices and may vary depending on the property management’s policies.

Image below: 20606279 © Ajfi90 | Dreamstime.com

Thursday, May 2, 2024

How long will my deferred felony show up and give me problems renting?

In Texas, a person who has completed probation for a deferred adjudication is not automatically considered innocent. Deferred adjudication is a type of probation where the court defers a finding of guilt, and if the individual successfully completes the probation, the case is dismissed without a formal conviction. However, the record of the charge still exists and is not erased from public records. To restrict access to this record, the individual must file a petition for non-disclosure after a waiting period, which, if granted, seals the record from private entities.

It’s important to note that deferred adjudication does not equate to a declaration of innocence. The charge remains on the individual’s record, and certain offenses may not even be eligible for non-disclosure. For a person to be considered legally innocent, they would typically need to have the charges against them dismissed without deferred adjudication or be acquitted by a court.

If you’re dealing with rental applications or other situations where criminal history may be a factor, it’s crucial to understand these nuances in Texas law. For specific cases, it’s always best to consult with a legal professional.

Wednesday, May 1, 2024

In Texas, misdemeanors are categorized into three classes: A, B, C

In Texas, misdemeanors are categorized into three classes

In Texas, misdemeanors are categorized into three classes based on their severity, with Class A misdemeanors being the most serious. Here’s a brief overview:

Class A Misdemeanors: These carry the harshest penalties among misdemeanors, with potential punishments of up to one year in jail and a fine of up to $4,000. Examples include assault, violating a protective order, criminal trespass of a home, perjury, and burglary of a vehicle. Ma will result in the second instance of the same offense – DWI is the most common one I see.

Class B Misdemeanors: Conviction can result in up to 180 days’ jail time and a $2,000 fine. Indecent exposure, criminal mischief, and obstructing a roadway are some examples. DWI and POM (possession of Marijuana are the Mb charges I see most often.

Class C Misdemeanors: These are fine-only offenses with no jail time, carrying a maximum fine of $500. Public intoxication, petty theft under $100, and disorderly conduct offenses fall into this category.

Enhanced penalties may apply for repeat offenses or if the misdemeanor involves a vulnerable or protected individual, or is committed in a declared disaster or evacuation area. In some cases, misdemeanors can escalate to felonies based on prior convictions or the level of harm involved.

Understanding these distinctions can help you navigate rental criteria, or for simplification, contact an apartment locator that specializes in helping people with criminal issues.

Can a TX Apartment ban me because of my Criminal Issues? Isn't that Discrimination?

In Texas, apartment management companies have the discretion to establish their own rental criteria, which can include background checks for criminal history.

While some misdemeanors may not automatically disqualify a potential tenant, others might, depending on the nature of the offense and the policies of the individual apartment complex.

It’s important to note that the Fair Housing Act prohibits discrimination based on race, color, national origin, religion, sex, disability, and familial status. However, this federal law does not protect individuals with criminal records from being denied housing based solely on their criminal history.

Each apartment complex may have different policies regarding misdemeanors. Some may be more lenient, especially if the misdemeanors are non-violent, older, or if the individual has shown evidence of rehabilitation1. It’s advisable to check with various apartment complexes to understand their specific policies. Additionally, some legal resources may provide assistance or advice on how to approach renting with a misdemeanor on one’s record.

If you believe your rights under the Fair Housing Act have been violated, you can file a complaint with the appropriate authorities. For more detailed information, it would be best to consult with a legal professional or a tenant’s rights organization in Texas or look into an Apartment Locator that specializes in helping people with criminal issues. Copyright 2024, 24x7 Apartment Find and its associated web sites.