Table of Contents

Can You Evict a Tenant Who Doesn't Pay Rent?

Last updated 01/01/26 by
The Credit People
Fact checked by
Ashleigh S.
Quick Answer

Are you stuck with a tenant who refuses to pay rent and wondering if you can legally evict them? Navigating eviction laws can quickly become a maze of deadlines, notices, and defenses, and this article cuts through the confusion to give you clear, step‑by‑step guidance. If you prefer a guaranteed, stress‑free route, our 20‑year‑veteran team could assess your case, pull your credit report, and manage the entire eviction process for you - just give us a call.

You Can Safeguard Your Credit While Evicting A Camper

Evicting a camper from your property can be harder if your credit score limits legal options. Call us for a free, soft‑pull credit review; we'll spot inaccurate items, dispute them, and help protect your finances while you handle the eviction.
Call 866-382-3410 For immediate help from an expert.
Check My Approval Rate See what's hurting my credit score.

 9 Experts Available Right Now

54 agents currently helping others with their credit

Our Live Experts Are Sleeping

Our agents will be back at 9 AM

Understand Your Eviction Rights Now

Understanding your eviction rights starts with knowing the legal framework that governs non‑payment cases. Rights and required notices differ dramatically across states and municipalities, so local statutes or an attorney's guidance is essential before any action.

  1. Identify jurisdiction  -  confirm whether state, county, or city codes dictate the eviction timeline; many areas impose a mandatory 'pay‑or‑quit' notice with precise language.
  2. Verify notice period  -  determine the exact days the tenant has to cure the default; some locales allow three days, others require fourteen or more.
  3. Confirm notice delivery  -  ensure the document reaches the tenant in a manner the jurisdiction recognizes (hand‑delivery, certified mail, or posting).
  4. Review tenant's defenses  -  anticipate claims such as habitability violations or unlawful rent increases that could nullify the notice.
  5. Record compliance  -  keep copies of the notice, delivery proof, and any tenant response; this trail becomes critical when the court evaluates the eviction process (see Nolo's eviction‑notice requirements guide).

These steps lay the groundwork for filing a proper lawsuit, which the next section will explore in detail.

Spot Signs of Chronic Non-Payment Early

Early warning signs of chronic non‑payment show up long before a formal eviction becomes unavoidable. Spotting them early lets landlords act before legal costs mount.

  • Repeatedly missing the grace‑period deadline, even by a few days, signals a pattern.
  • Paying only a portion of the due amount each month indicates financial strain that's not resolving (as we covered above, knowing your eviction rights frames the next steps).
  • Offering vague 'temporary hardship' excuses without supporting paperwork suggests avoidance.
  • Ignoring calls, emails, or portal messages for weeks reflects disengagement.
  • Submitting checks that bounce or are returned for insufficient funds repeatedly demonstrates unreliable payment methods.

Try Negotiation Before Full Eviction

Negotiating before filing an eviction often saves time, money, and courtroom drama.

  • Review the lease to confirm the exact amount owed, including any allowable late fees.
  • Reach out to the tenant promptly; keep the tone professional and propose a realistic payment schedule.
  • Offer a modest concession - such as a temporary rent reduction or waived penalty - if the tenant commits to a written plan.
  • Document every agreement in writing, set a clear deadline, and request a signed acknowledgment.
  • Send a formal rent‑demand notice that references the negotiated terms (see the next section for a template).
  • If the tenant neither responds nor complies, proceed to the eviction lawsuit.

A well‑handled negotiation can resolve the dispute without involving the courts; when it fails, the demand notice prepares the case for the eviction process ahead.

Draft Your First Rent Demand Notice

Draft the first rent demand notice as a concise, dated letter that names the tenant, cites the lease, lists the exact overdue amount, and sets a cure deadline that matches the statutory period in your jurisdiction. Include a brief statement that failure to pay by that date will trigger the eviction process, and provide the landlord's contact information for payment or questions.

Check local rules before finalizing; New York generally requires a 14‑day notice for non‑payment of rent, while California uses a 3‑day 'pay or quit' notice. Send the notice by certified mail, retain a copy, and record the delivery date - these steps create the paper trail needed when you move on to filing the eviction lawsuit.

File the Eviction Lawsuit Properly

File the eviction lawsuit properly by filing a complaint and summons with the correct court and then serving the tenant under the jurisdiction's rules. Missed paperwork or improper service stalls the case, wasting time and money.

  1. Confirm jurisdiction - check the tenant's address to determine the county or city court that handles landlord‑tenant actions.
  2. Collect evidence - gather lease agreements, payment records, and the rent‑demand notice referenced above.
  3. Complete the complaint - fill out the eviction form, stating non‑payment of rent and attaching copies of the evidence. (court's eviction complaint template)
  4. File with the clerk - submit the complaint, pay the filing fee, and obtain a case number.
  5. Serve the tenant - use a professional process server or certified mail with return receipt, following the state's timeline for service.
  6. Record proof of service - file the affidavit of service with the court; the tenant's answer deadline now starts ticking.

(If the tenant raises a defense, see the next section on anticipating courtroom arguments.)

Anticipate Tenant Defenses in Court

Tenants typically raise several defenses when faced with a non‑payment eviction. Courts categorize them into payment disputes, landlord misconduct, and procedural errors, which the landlord should anticipate, as we covered above.

  • Claim of full or partial rent payment, backed by receipts, bank statements, or a cashier's check
  • Assertion that landlord failed to maintain habitability, breaching the implied warranty of quiet enjoyment
  • Allegation of improper notice - wrong form, insufficient days, or service to the wrong party
  • Accusation of retaliation for complaints about conditions or exercising legal rights
  • Evidence of discrimination linking eviction to a protected characteristic under Fair Housing
  • Argument that landlord accepted a payment plan, thereby curing the breach
  • Reference to a lease clause waiving the landlord's right to sue for a specified period
  • Notice that the summons was filed in the wrong jurisdiction, rendering the action invalid
  • Contention that landlord overstated the balance owed, inflating the amount beyond the lease terms
  • Defense that tenant legally withheld rent to force repair of a hazardous condition
Pro Tip

⚡ You should first check if local laws treat the camper as a residence, then write a clear 30‑day notice to vacate that lists the address, reason and deadline, serve it by hand, certified mail or posting, and keep detailed proof of service before filing an eviction suit.

Navigate Post-Hearing Enforcement Steps

The court's judgment turns into a writ of possession the moment the clerk signs it, and the landlord must hand that writ to the sheriff or constable for official service. Once the officer posts the notice on the property, most jurisdictions require a waiting period - often three to five business days, though some states allow shorter or longer intervals; checking local statutes prevents premature action that could trigger a contempt claim. After the deadline expires, the officer executes the lockout, physically removing the tenant and securing the premises.

Immediately following the lockout, the landlord should inventory any abandoned items, photograph the unit, and store belongings in a safe location as dictated by state law. Filing a post‑eviction inventory report with the court preserves the right to recover costs for damaged or unclaimed property. Concurrently, the landlord may begin collection on the monetary judgment - interest, back rent, and court fees - using a writ of execution or garnishment as appropriate. Detailed records of the enforcement steps smooth the transition to the next phase, where the focus shifts to recovering lost rent through judgment. (understand jurisdictional lockout timelines)

Recover Lost Rent Through Judgment

A valid judgment converts unpaid rent into a legally enforceable debt. From there, the landlord can tap several collection tools to actually collect the money.

  • File the judgment in the appropriate court - small claims or civil - after the eviction hearing; list back rent, permissible fees, and, if the lease or state law permits, attorney costs.
  • Record the judgment with the county recorder to create a lien on any real‑estate the tenant owns, allowing a forced sale or refinancing block.
  • Request a wage‑garnishment order or bank‑levy; the court will issue a writ directing the employer or financial institution to divert a portion of income until the debt is satisfied.
  • Pursue a turnover lien on personal property seized during the eviction; the sheriff may sell the goods to satisfy the judgment.
  • Monitor the statute of limitations for enforcement, which varies by jurisdiction (e.g., 7 years in Texas, 10 years in California, up to 20 years in New York); renew the judgment before expiration if collection remains incomplete (statute of limitations details).

Budget Real Eviction Costs Ahead

Budget real eviction costs ahead start with mandatory filing fees that vary by jurisdiction, typically ranging from $50 to $400, plus a service‑process charge for delivering the summons. Court expenses follow, including hearing fees and, if the case escalates, a judgment‑entry cost that can add another few hundred dollars. Attorney fees dominate the bill; some lawyers charge a flat rate for the entire eviction, others bill hourly, and many offer a modest retainer that covers paperwork, court appearance, and post‑judgment enforcement. Process‑server fees, lock‑change expenses, and locksmith charges appear after a successful judgment, often $100 - $250 each, while a security deposit or bond may be required to protect against tenant retaliation. Hidden losses - missed rent, utility arrears, and property wear - should be factored into the total, as they can exceed the formal costs if the unit remains vacant for weeks.

As we covered above, negotiating before filing can trim these numbers dramatically, but budgeting for the worst‑case scenario ensures the eviction process won't jeopardize cash flow. For a detailed cost breakdown, see Comprehensive eviction cost guide from The Credit People.

Red Flags to Watch For

🚩 You might assume a simple verbal agreement means no tenancy, yet paying rent for exclusive use can still create tenant status that forces you into formal eviction procedures. Verify tenant status first.
🚩 You may believe posting the notice on the camper door satisfies legal service, but many jurisdictions require personal delivery or certified mail, which could invalidate the notice and restart the countdown. Use the required delivery method.
🚩 Offering a 'cash‑for‑keys' payment without a written, signed agreement may be seen as an unlawful inducement, opening the door to fraud or breach claims. Document any cash‑for‑keys deal.
🚩 Changing locks or moving the camper before a court‑issued writ is considered illegal self‑help and can result in damages or contempt penalties. Wait for a court order.
🚩 Calling police to force an occupant out assumes they have authority, but without a criminal or safety issue they can't intervene in a civil tenancy dispute. Contact law enforcement only for safety threats.

Sidestep Costly Eviction Pitfalls

Avoiding expensive missteps hinges on strict adherence to procedural rules and realistic budgeting. Skipping steps outlined in earlier sections - like the demand notice or filing basics - creates billable delays that balloon quickly.

  • Improper service of the notice; courts usually reject poorly delivered papers (a simple return receipt can save a fortune).
  • Missing jurisdictional filing deadlines; each missed day adds filing fees and may force a restart.
  • Underestimating attorney or filing costs; a surprise invoice feels like rent you'll never collect.
  • Proceeding without thorough documentation of non‑payment; judges love paper trails, lawyers love the fee.
  • Ignoring common tenant defenses such as habitability claims; fighting a baseless defense drains resources.
  • Neglecting post‑hearing enforcement steps; an unexecuted writ leaves the property vacant but the debt unpaid.

Checking each item before moving forward keeps legal fees low and protects cash flow (because nobody enjoys financing the court's coffee).

Handle Subtenant Non-Payment Surprises

When a subtenant ceases paying rent, the head‑lease holder must treat the breach as if the primary tenant missed a payment, because the master lease remains liable.

The first move is a formal demand that mirrors the notice used for any non‑payment. In New York, a 14‑day notice to quit satisfies statutory requirements; in Texas, a three‑day notice to vacate (or pay) triggers the eviction timeline. California typically allows a three‑day notice as well, but some cities impose additional local mandates.

After delivering the appropriate notice, the head‑lease holder can file an eviction action against the subtenant while simultaneously notifying the original tenant of the subtenant's default, preserving the right to seek rent recovery from the primary lease.

Consider a Brooklyn property where the subtenant stops paying after two months. The landlord serves a 14‑day notice, waits the statutory period, and then proceeds to court, all while reminding the original tenant that the missed subtenant rent is still owed under the master lease.

A Dallas scenario follows the three‑day notice, after which the landlord files the suit and, if successful, recovers both back rent and attorney fees from the subtenant. Both examples illustrate that handling subtenant non‑payment hinges on issuing the correct statutory notice before jumping into litigation.

Weigh Eviction Impacts on Your Property

Eviction spikes immediate outlays: filing fees, court costs, attorney bills, and often a two‑month vacancy while a new tenant screens. Those expenses add up quickly and, depending on jurisdictional variations, can eclipse months of missed rent. A landlord in Texas, for example, spent $1,200 in filing fees and $2,500 on counsel, then endured a 60‑day vacancy that erased any remaining cash flow (eviction cost breakdown).

Avoiding eviction conserves cash but extends revenue loss and may amplify property wear. Negotiated payment plans keep rent ticking, yet lingering arrears erode profitability and can attract further non‑payment patterns. A landlord who accepted a structured repayment schedule retained occupancy, sidestepped turnover costs, and preserved the unit's condition, ultimately protecting long‑term market value.

Key Takeaways

🗝️ First, confirm whether the camper occupant qualifies as a tenant by checking for a lease, regular rent, or exclusive possession.
🗝️ Next, research your local landlord‑tenant laws to see if a camper is classified as a dwelling and what notice period you must give.
🗝️ Then, prepare a written 'notice to vacate' that includes the required details and deliver it by an approved method such as certified mail or hand‑delivery.
🗝️ After serving the notice, keep all copies, proof of service, payment records, and photos organized for any possible court filing.
🗝️ If you're uncertain about any step or want help reviewing related credit or legal info, call The Credit People - we can pull and analyze your report and discuss how to move forward.

You Can Safeguard Your Credit While Evicting A Camper

Evicting a camper from your property can be harder if your credit score limits legal options. Call us for a free, soft‑pull credit review; we'll spot inaccurate items, dispute them, and help protect your finances while you handle the eviction.
Call 866-382-3410 For immediate help from an expert.
Check My Approval Rate See what's hurting my credit score.

 9 Experts Available Right Now

54 agents currently helping others with their credit

Our Live Experts Are Sleeping

Our agents will be back at 9 AM