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As the legal process drags on, Lafayette has been forced to cover the mortgage out of pocket, leaving him in financial distress. Although he finally has a court date on the horizon, he's not hopeful.

"My mortgage is crazy. I can't go to the bank and tell the bank I can't pay the mortgage. This for three years? It's rough."

How to avoid the same fate

In New York City, landlord-tenant law is a technical dance where both parties have tools at their disposal to get the outcome they're looking for — or in the tenant's case, delay eviction.

One of the most common reasons why evictions can take too long or settle on unfavorable terms is because the landlord didn’t follow the lease terms and the technicalities of law, according to law firm Blodnick Fazio & Clark.

To avoid this, landlords should:

  • Start with a strong lease agreement: Include clear terms for late payments, violations, and termination.

  • Act fast: Don’t let a missed payment slide. Send default notices right away and document everything.

  • Understand the local process: In New York, landlords need a court order from the Division of Housing and Community Renewal (DHCR) to evict a tenant — and the entire process can take months. The same is true in many other states.

It also helps to follow Lafayette’s example and install security cameras. If things go sideways, footage can help establish a pattern of behavior and support your case in court.

Lafayette's ordeal has racked up thousands of views on News 12’s YouTube channel. One of the the top commenters wrote: "This is insane. I wouldn’t even be able to sleep at night knowing I didn’t pay rent. The entitlement is crazy."

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Rudro is an Editor with Moneywise. His work has appeared on Yahoo Finance, MSN Money and The Financial Post. He previously served as Managing Editor of Oola, and as the Content Lead of Tickld before that. Rudro holds a Bachelor of Science in Psychology from the University of Toronto.

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