Category: Landlord & Tenant Rights

Guides about heat, locks, leases, apartment conditions, evictions, foreclosures and other landlord/tenant responsibilities.

Security Deposits – Interest Rates

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Interest Rates for leases begun in the following years:

2016 – 0.01%

2015 – 0.01%

2014 – 0.013%

2013 – 0.023%

2012 – 0.057%

2011 – 0.073%

2010 – 0.073%

2009 – 0.12%

2008 – 1.26%

2007 – 1.68%

2006 – 1.71 %

2005 – 1.01%

2004 – 0.42%

2003 – 0.52%

2002 – 0.83%

2001 – 3.10%

2000 – 2.71%

1999 – 2.63%

1998 – 3.38%

1997 – 3.42%

1987-7/1/1997 – 5.00%

[Note: These are the interest rates for the city of Chicago only]

To qualify for interest in the City of Chicago you must live:

* in a building not occupied by the owner or owner occupied building of 7 units or more

To calculate how much interest is due:

* multiply the total deposit amount by the percentage rate for each year separately
* if more than one year owed add all totals together for final amount

Tenants must reside in unit for at least six months or more in order to be eligible for interest Must be paid within 30 days of tenant’s year anniversary.

Security Deposits – FAQ

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NOTE: If your landlord lives in your building, see the “Exceptions” note on the right side of this page.

Do I have to tell my landlord I am moving if I have a written lease?
No. Your lease sets forth the date on which it ends, and you are supposed to move on that date unless you and your landlord agree to renew your lease agreement.

What if I do not have a written lease?
If you pay rent on a monthly basis, you must give your landlord 30 days written notice that you are moving out. Otherwise, you can be held liable for another month’s rent. If you pay rent on a weekly basis, you give your landlord 7 days written notice that you are moving. Otherwise, you can be held liable for another week’s rent.

Can I use my security deposit to pay the last month’s rent?
Not unless your landlord agrees to let you do this. If you reach such an agreement with your landlord, make sure you get this agreement in writing. A security deposit is not rent. You may get evicted if you treat it like rent, without your landlord’s written permission.

Is there anything I can do before I move to make sure I get back my security deposit?
Yes. Clean the apartment, repair any damage you caused, and take pictures of the apartment to verify its condition. You should ask the landlord to:

  • Walk through the apartment with you just before you move out; and
  • Sign a statement verifying the condition of the apartment.

What if I move out after the day I am supposed to move?
You may become responsible for an additional month’s rent. For instance, if you are supposed to move on the last day of January, but you don’t actually move until February 2, your landlord may be able to hold you responsible for the February rent.

What if I leave my property behind when I move out?
Your landlord must leave the property in the apartment or store it somewhere safe for 7 days. If the property is not worth the cost of storage, however, he/she can throw it away immediately.

Can I break my lease before it ends?
Only if your landlord agrees to let you out of the lease or violates your rights under the Chicago Residential Landlord and Tenant Ordinance. If You want to break the lease because your landlord has violated your rights, contact an attorney.

What if my landlord doesn’t let me break the lease, but I still move out before the lease ends?
Your landlord must make a good faith effort to re-rent the apartment. If he/she’s unsuccessful, you remain responsible for the rent. If he/she rents it for less than what you were paying, you remain responsible for the difference.

Can I sublet my apartment?
Yes, and your landlord cannot charge you any subletting fees. Furthermore, if your landlord does not let you sublet to a suitable person, you don’t have to pay rent for the period that begins when the subtenant was willing to move in.

What if my subtenant does not pay the rent?
You become responsible for it.

What happens to my security deposit when I Sublet?
The landlord is entitled to hold your security deposit until the end of the lease, so you should either:

  • Ask your landlord to return your deposit and collect a new one from the subtenant; or,
  • Collect a security deposit from the subtenant yourself.

The landlord cannot keep a deposit from both you and the subtenant if the total amount of the deposit exceeds the amount listed on the lease.

What happens if my landlord refuses to return my security deposit?

The Chicago Residential Landlord Tenant Ordinance states that when a tenant moves out, the landlord has 30 days to give the tenant an itemized list of any repairs or deductions they intend on withholding from the security deposit, including receipts/estimates. The landlord has a total of 45 days to return the remaining amount of the deposit, plus interest. If the landlord does not provide the tenant with a list of deductions within 30 days of vacating the unit, they must return the full deposit amount with 45 days of move-out. If they fail to comply, you can sue the landlord for twice the amount of the deposit, plus courts costs and attorney fees. To request your deposit, use Squared Away Chicago to send your landlord a legal notice. If your landlord still does not return the deposit, contact MTO for an attorney referral.

Please Note:This pamphlet, published by the Legal Assistance Foundation of Chicago and the Metropolitan Tenants Organization as a public service, gives you only a general idea of your rights and responsibilities under the Residential Landlord and Tenant Ordinance and other relevant chapters of Chicago’s Municipal Code. It is meant to inform, but not to advise. Before enforcing your rights, you may want to seek the advice of an attorney who can analyze the facts of your case and apply the law to these facts.

Still can’t find the answer? Send us your questions. Please allow several days for a response.

Evictions – FAQ

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NOTE: If your landlord lives in your building, see the “Exceptions” note on the right side of this page.

What must my landlord do if he/she wants to have me evicted?
She must file a lawsuit against you. This lawsuit is called an “eviction action” or a “forcible action.” Your landlord cannot have you evicted unless he/she wins this lawsuit.

Does my landlord have to provide me with a written notice before filing an eviction action against me?
Yes. The kind of notice required depends on the landlord’s reason for terminating or refusing to renew your tenancy.

What if my landlord wants me to move when my written lease ends?
At least 30 days before your lease ends, your landlord must provide you with a written notice stating that he/she will not renew your tenancy. Then, if you don’t move he/she can file an eviction action against you.

If I have a written lease agreement, can my landlord have me evicted before it ends?
Only if you violate one of the lease provisions.

What if I’m behind in my rent?
Your landlord can give you a written demand for the rent. This demand is called a “5-day notice” because it states that your tenancy will end unless you pay all the rent owed within no less than 5 days. If you fail to comply with this demand, your landlord can file a lawsuit against you. (If you live in a CHA building, the notice must give you 14 days within which to pay the rent).

What should I do if I receive a 5-day notice?
Give your landlord all the rent you owe within the next 5 days. Bring a witness with you when you make your rent payment. That witness can then testify on your behalf, if your landlord later denies that you paid or tried to pay the amount owed. Always pay with a check or money order. You can then use the canceled check or money order receipt to prove you paid rent on a certain date.

What if the 5-day notice demands more rent than I owe?
Give your landlord just the amount you owe.

What if my landlord refuses to accept my rent within the 5-day period?
He/she gives up his/her right to file an eviction action against you. If he/she still files this action, call an attorney immediately.

If I don’t have all the money I owe, should I give my landlord a partial payment?
Only if he/she agrees, in writing, to (1) allow you to pay the rest of what you owe later, and (2) not evict you for failing to pay everything you owed within 5 days of receiving the termination notice.

What if I offer my landlord the rent after the 5-day period ends?
He/she does not have to accept it. But if he/she does accept it, and if your tenancy is governed by Chicago’s Residential Landlord and Tenant Ordinance, he/she cannot evict you. (See the front cover of this pamphlet to find out whether the Ordinance governs your tenancy.)

What if I violate some other provision of my lease?
Your landlord can serve you with a notice describing the violation and stating that your tenancy will end in no less than 10 days. The notice must also advise you of your right to “cure” within this 10-day period, and thereby preserve your tenancy. If you fail to “cure” the violation in a timely manner, your landlord can file an eviction action against you.

How can I “secure” a lease violation?
By taking whatever action is necessary to correct the violation you committed. Assume, for example, that your lease prohibits you from keeping any pets. If your landlord serves you with a 10-day termination notice because you have a cat, you can cure your violation by getting rid of the cat within 10 days of receiving the notice.

What steps should I take to prove I cured the lease violation?
Within 10 days of receiving the termination notice, send your landlord a letter explaining what action you have taken to cure the violation. Send the letter by certified mail and keep a copy. If your landlord files an eviction action against you, bring the letter to court.

Does the termination notice always have to state a reason for the termination of my tenancy?
That depends on whether you have a written lease or an oral (unwritten) lease. If you have an oral lease, the notice does not have to state a reason for the termination of your tenancy. Instead, it may simply state that your tenancy will end in no less than 7 days (if you pay rent every week), or no less than 30 days (if you pay rent every month). Your landlord must give you this notice at least one day before your rent is due. If you don’t move at the end or this 7 or 30 day period, your landlord can file an eviction action against you.

How will I know whether my landlord has filed an eviction action against me?
You will receive a court document called a “summons,” which states where and when you must appear for trial.

Should I go to court?
Yes. Even if you lose your case, the judge will give you more time to move if you appear in court.

Can I have an attorney represent me in court?
Yes. In fact, you should contact an attorney as soon as you receive a termination notice.

What if I want an attorney but have not been able to contact one before I appear in court for the first time?
When your case is called, just approach the judge and say, “Your Honor, I would like a short continuance so I can get an attorney. I would also like to preserve my right to a jury trial.” If you do not want an attorney, the judge may conduct the trial immediately.

What should I bring with me when I go to court?
Bring the summons you received, as well as any evidence that supports your case (such as your lease agreement, rent receipts, pictures of your apartment, letters you wrote to or received from your landlord, etc.) . You should also bring any witnesses who are willing to testify on your behalf.

What happens at the trial?
Your landlord will present his/her case first. When he/she finishes, you will be allowed to tell your side of the story. Keep it brief. Write out what you are going to say beforehand so you do not forget anything.

What defenses can I assert at the trial?
There are many possible defenses, so you should discuss your case with an attorney before you go to court.

What happens if I lose my case?
The judge will order you to move. he/she may also order you to pay your landlord any rent you owe.

If I lose my case, how much time will I have to move?
In most cases, the judge will postpone your eviction for a period of 7 to 21 days. You cannot be evicted before this period ends.

What if I need more time to move?
You can file a motion for an extension of time. The day before you are scheduled to be evicted, go to the Advice Desk in the back of Room 602 of the Daley Center and ask the person sitting there to help you file this motion.

What if I was not in court when the judge ordered me to move?
You can file a motion to “vacate” the judges order. As soon as you learn that the judge ordered you to move, go to the Advice Desk in the back of Room 602 of the Daley Center and ask the person sitting there to help you file this motion.

If my landlord wins the eviction action, who can actually force me out of my apartment?
If you live in a CHA building, the CHA police can evict you. Otherwise, only the Sheriff of Cook County can evict you. Your landlord cannot evict you.

What should I do if my landlord tries to force me out of my apartment without following the proper legal procedure for having me evicted?
Call the police. (For more information, read the pamphlet entitled Lock-outs and Retaliation).

Please Note:This information, published by the Legal Assistance Foundation of Chicago and the Metropolitan Tenants Organization as a public service, gives you only a general idea of your rights and responsibilities under the Residential Landlord and Tenant Ordinance and other relevant chapters of Chicago’s Municipal Code. It is meant to inform, but not to advise. Before enforcing your rights, you may want to seek the advice of an attorney who can analyze the facts of your case and apply the law to these facts.

Still can’t find the answer? Send us your questions. Please allow several days for a response.

Chicago Space / Occupancy Requirements

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In order to meet legal requirements,  a unit must have at a minimum, the following amount of square feet:

one person – 125 sq. feet
2 people – 250 sq. feet
3 people – 350 sq. feet
4 people – 450 sq. feet
5 people – 525 sq. feet
6 people – 600 sq. ft
7 people – 675 sq. ft
8 people – 750 sq. ft
9 people – 825 sq. ft
10 people – 900 sq. ft

Indoor Air Quality & Smoking

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The new Chicago Clean Indoor Air Ordinance was signed into law on Feb. 13, 2008 and supersedes the Smoke Free Illinois Act. The new law is intended to protect patrons and workers against the dangers of secondhand smoke.

As of February 13, 2008 smoking is prohibited in:

  • All enclosed workplaces;
  • All restaurants;
  • All bars;
  • All healthcare facilities;
  • Public places including government buildings, convention facilities, laundromats, public transportation facilities and shopping malls;
  • Public restrooms, lobbies, reception areas, hallways and other common use areas in public buildings, apartment buildings and condominium buildings;
  • Within 15 feet of the entrance to enclosed public places;
  • Recreational areas including enclosed sports arenas, stadiums, swimming pools, ice and roller rinks, arcades and bowling alleys; and
  • City government vehicles.

Regulations, Fines & Fees

The Department of Public Health and the Department of Business Affairs and Licensing will monitor compliance with the ordinance during routine inspections. The City will also respond to complaints made to 311. Individuals who are smoking in areas prohibited by the ordinance are guilty of an infraction punishable by fines of up to $250.

More About the New Ordinance

The updated Chicago Clean Indoor Air Ordinance was passed by the Chicago City Council in January 2008. It replaces current law, passed in December 2005 and supersedes the Smoke Free Illinois Act. The new law is intended to protect the health of patrons and workers against the dangers of tobacco smoke, including secondhand smoke. Secondhand smoke is known to cause cancer and heart disease, and “safe” levels of secondhand smoke have not been identified.

Full Text of the Chicago Clean Indoor Air Ordinance of 2008

Leases – FAQ

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NOTE: If your landlord lives in your building, see the “Exceptions” note on the right side of this page.

This FAQ describes the different types of leases, how and when you can terminate a lease and identifies different lease provisions that are prohibited by law.

Does every tenant have a lease agreement?
Yes. It may be a written lease or an oral (unwritten) lease.

What is the advantage of a written lease agreement?
It sets out the terms of your agreement with the landlord. Furthermore, it states how long your tenancy will last, and your landlord cannot terminate this tenancy early unless you violate one of the lease provisions.

If I do not have a written lease, when can my tenancy be terminated?
Either you or your landlord can terminate it with at least one month advance written notice (if you pay rent every month), or at least 7 days advance written notice (if you pay rent every week). Neither of you has to give reason for terminating the tenancy.

If I have a written lease, can my landlord raise my rent before the lease ends?
Only if the lease states that the landlord can do this. Otherwise, your rent must remain the same until the lease ends.

If I do not have a written lease, when can my landlord raise the rent?
Your landlord can raise the rent only after giving you advance written notice. If you pay rent on a monthly basis, you must receive at least one month written notice. If you pay rent on a weekly basis, you must receive at least 7 days written notice.

What if I have a written lease that has provisions that I don’t like?
Don’t sign it. Once you sign the lease you are bound by all its provisions unless these provisions are against the law. (Illegal provisions are listed below). If you don’t like a provision, ask your landlord to cross it out. If he/she agrees to do this, both of you should put your initials next to the provision that has been crossed out.

What lease provisions are against the law?
Any provision stating that you agree to:

  • Give up any of your rights under Chicago’s Residential Landlord and Tenant Ordinance;
  • Limit your landlord’s liability for breaking the law;
  • Let your landlord win an eviction action against you without first serving you with a termination notice and a summons to appear in court;
  • Give up your right to a jury trial if your landlord files an eviction action against you;
  • Pay for your landlord’s attorney’s fees if he/she files an eviction against you;
  • Pay a late fee in excess of the amount allowed by the Ordinance (see below); or
  • Receive a discount that is equal to more than the monthly fee allowed by the Ordinance if you pay your rent before a certain day of the month.

How much can my landlord charge as a late fee?
If your monthly rent is $500 or less your landlord can charge you no more than $10 per month. If your monthly rent is more than $500, your landlord can charge you an additional fee equal to 5% of the amount that exceeds $500. Therefore if your rent is $700, your landlord can charge you $10 pus 5% of 200, for a total late fee of $20.

Is my lease still in effect if it has an illegal provision?
Yes. Your lease is still in effect, but your landlord cannot enforce the illegal provision. If he/she tries to enforce an illegal provision, you can sue him/her.

Do I have to move if my landlord sells the property before my lease ends?
No. Your lease remains in effect and the new owner has to comply with the terms of this agreement.

If I have a written lease, what happens when it ends?
If you want to leave the apartment when your lease ends, you can just move. You do not have to give your landlord any advance notice.

What if my landlord wants me to move when my written lease ends?
At least 30 days before the lease ends your landlord must provide you with a written notice stating that your tenancy will not be renewed. If you do not receive this notice in a timely manner, you may stay in the unit for up to 60 days after the date on which you do receive the notice. (remember, however, that your obligation to pay rent continues during this 60 day period).

Can I break my lease before it ends?
Only if your landlord agrees to let you out of the lease or violates your rights under Chicago’s Residential Landlord and Tenant Ordinance. If you want to break the lease because your landlord has violated your rights, contact an attorney.

What if my landlord doesn’t let me break the lease, but I still move out before the lease ends?
Your landlord must make a good faith effort to re-rent the apartment. If she’s unsuccessful, you remain responsible for the rent. If he/she rents it for less than what you were paying you remain responsible for the difference.

Can I sublet my apartment?
Yes, and your landlord cannot charge you any subletting fees. Furthermore, if your landlord does not let you sublet to a suitable person, you don’t have to pay the rent for that period that begins when the subtenant was willing to move in.

What if my subtenant does not pay the rent?
You remain responsible for it.

Please Note:This information, published by the Legal Assistance Foundation of Chicago and the Metropolitan Tenants Organization as a public service, gives you only a general idea of your rights and responsibilities under the Residential Landlord and Tenant Ordinance and other relevant chapters of Chicagoís Municipal Code. It is meant to inform, but not to advise. Before enforcing your rights, you may want to seek the advice of an attorney who can analyze the facts of your case and apply the law to these facts.

Still can’t find the answer? Send us your questions. Please allow several days for a response.

Noise and Neighbors

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Noisy and problematic neighbors are one of the most difficult issues to solve.

First off, both parties are tenants. Both have rights. These problems range from neighbors selling drugs to throwing an occasional party. It is frustrating for the neighbor who is being disrupted. Complaints about noisy kids, an older adult listening to a loud television or people playing rap music are often signs of a biased complaint. If the complaints appear to be discriminatory or unreasonable in nature, the complainer may not have realistic expectations of apartment living. It requires a certain amount of tolerance.

No ready-made solutions exist for neighbor-to-neighbor problems. The law does not proscribe a process to deal with this situation as it does with the ‘Repair and Deduct’ remedies in the Chicago Ordinance. There are steps the tenant can take to try and resolve the difficulty. Whether any of these methods work depends upon many factors, including the nature of the actual problem, how much the landlord is willing to cooperate and what the tenant is willing to do. The following are suggestions:

Direct Approach
(This approach is not recommended when drug dealing is involved and for cases of a violent neighbor.) First encourage the tenant to talk directly to their neighbor. Often people disturb others without being aware of it and are willing to modify their behavior such as setting quiet times or not wearing wood platform shoes inside. The Center for Conflict Resolution can help mediate these situations. The landlord could possibly be included in the mediation. The other benefit to this approach is that the tenant may find out that the person they suspected of wrong doing may be innocent.

Contact the Landlord
Let the landlord know that s/he has the responsibility to ensure the tenant the quiet, peaceful enjoyment of the premises. The landlord has the power to evict noisy neighbors and drug dealers. They can also install carpeting or some other sort of soundproofing. The landlord has the responsibility to take some action.

Contact Other Tenants
Often noisy neighbors will be disturbing other renters and their support will be helpful in getting rid of a problem tenant. Organize a group of concerned tenants and write a common letter. It will also help build a tenant’s case that the problem is real.Call the PoliceThe police will help to mitigate the very immediate situation. They can warn or arrest the tenant. A police report will also serve to document the tenant’s complaint. By asking the tenant if they have called the police, it will help you and the tenant put the problem in perspective. If they say for example “Oh it’s not that bad,” then I would suggest they try mediation.

Serve the Landlord with Written Notice
If the landlord fails to take any action and other options fail, the tenant can write the landlord and give him/her a minimum of a 14-day notice to comply with their duty to ensure the tenant a reasonable quiet and peaceful premises. The tenant should provide the landlord with a detailed description of the problems and ask the landlord to remedy the situation. In the letter the tenant should ask the landlord for a response as to what action they have taken or will take.

Document the Problem
Encourage the tenant to create a journal detailing days, times and what happened. The tenant may need witnesses to back up their assertions. Friends and neighbors can be witnesses. Should the landlord fail to take any action after being contacted and the problem is a serious one, the tenant could give the landlord a 14-day notice (to be on the safe side the tenant may want to give the landlord a longer notice, say 30 days) under the Chicago ordinance to terminate the lease under section 5-12-110 a. In the letter the tenant should inform the landlord that the situation has rendered the apartment not reasonably fit and habitable. If the tenant does not want to terminate the lease, s/he could also reduce the rent by giving the landlord a 14-day notice to alleviate the situation or else the tenant will reduce the rent to reflect the reduced value of the apartment. As in the case repairs, the tenant should be very conservative in the amount taken off the rent

NOTE: The housing laws do not specifically mention noise and there is no case law on this either way. Attorneys disagree about what rights tenants have under State and Chicago law. Some attorneys believe tenants have no remedies under the law. Caution is advised in counseling tenants with problems. We believe the tenants do have rights but they should be warned that should the courts rule against the tenant he/she could be held financially liable for the duration of the lease. If the tenant is confronted with a possible life threatening situation, let s/he know that the penalties are not automatic. The landlord still needs to take the tenant to court and get a judgment. Tenants complaining about drugs or crime in the building are more likely to succeed in today’s anti-drug and crime hysteria.

If the noise is at a level that can be considered offensive to the general environment, you may be able to seek remedies outlined in 11-4-2740 of the Chicago Municipal Code.