Rent Arrears Repayment Plans in Nova Scotia: What Tenants Need to Know

Falling behind on your rent in Nova Scotia can be stressful, but tenants have rights and options for repaying rent arrears. Understanding the process for arranging a rent repayment plan can help you keep your home and avoid eviction. This guide explains how repayment plans work, your legal rights, and what steps to take if you are facing rent arrears.

Understanding Rent Arrears and Tenant Rights in Nova Scotia

"Rent arrears" means unpaid rent you owe to your landlord. In Nova Scotia, if you miss rent payments, your landlord can issue a notice to end your tenancy. However, the law gives tenants an opportunity to pay back the owed rent and, in some cases, request a repayment plan instead of immediate eviction.

The main law governing rental housing in Nova Scotia is the Residential Tenancies Act.^[1]

What Is a Rent Repayment Plan?

A repayment plan is a formal, written agreement between you and your landlord that outlines how you will pay back the rent owing—often in installments over a set period. Entering into such a plan can help you avoid losing your home and give you time to get caught up. The terms must be clear, and both parties should sign the agreement.

What to Do If You Owe Rent

• Act quickly: If you fall behind, talk to your landlord as soon as possible.
• Negotiate: Propose a realistic repayment plan that fits your financial situation.
• Get it in writing: All repayment plans should be documented and signed by both you and your landlord.
• If an agreement can't be reached, be aware of official processes and your rights under Nova Scotia law.

Official Notice and Tribunal Process

If you do not pay rent on time, your landlord may serve you with a Form DR5: Notice to Quit – Unpaid Rent. This is the official notice stating the amount owed and the deadline to pay before your tenancy ends. If you pay the arrears within the specified period, the notice is cancelled. If you need more time, you can attempt to negotiate a repayment plan—even after the notice is given.

Disputes over rent arrears or repayment plans are handled by the Nova Scotia Residential Tenancies Program. Tenants can apply to this tribunal for a hearing if they believe their landlord has not followed the proper steps.

Completing Official Forms: How to Respond

• Form DR5: Notice to Quit – Unpaid Rent
  When used: If your landlord gives you this form because of unpaid rent.
  What it does: States the amount owed and sets a deadline (usually 15 days for monthly tenancies).
  Action: Pay the full arrears before the deadline to stop the eviction, or contact your landlord to propose a repayment plan.
  Download Form DR5
• Form D: Application to Director: Request for a Hearing
  When used: If you want a formal hearing to dispute a notice or propose a payment plan.
  What it does: Lets you present your case to the Residential Tenancies Program.
  Download Form D

Will a Repayment Plan Stop Eviction?

Agreeing to a repayment plan can stop an eviction process if both parties honor the terms. However, if you miss a payment as outlined in your plan, your landlord can proceed with eviction without giving a new notice. Always ensure your repayment agreement is realistic and that you can meet the deadlines set.

Links to Learn More

• For rent payment basics and advice, see Tenant's Guide to Paying Rent: Rights, Responsibilities, and Tips.
• For a broader overview of tenant and landlord legal obligations, read Obligations of Landlords and Tenants: Rights and Responsibilities Explained.
• Find more information on Tenant Rights and Landlord Rights in Nova Scotia.

Looking for your next home? Browse apartments for rent in Canada—from Halifax to Toronto and beyond.

Steps to Take if You Owe Rent

• Calculate the exact amount you owe, including any late fees allowed by law.
• Communicate with your landlord about your situation and intentions.
• Draft a written repayment plan proposal and ask your landlord to sign it if they agree.
• If your landlord refuses or issues a notice, act fast—respond, pay the arrears, or apply for a hearing with the tenancy board within the stated timeframe.
• Keep copies of all notices, payments, and agreements for your records.

If you miss any payment in the plan, your landlord may proceed directly with an eviction application.

FAQ: Common Questions About Rent Repayment Plans in Nova Scotia

1. Can I ask for a repayment plan after getting a notice to quit for unpaid rent?
   Yes, you can try to negotiate a repayment plan with your landlord even after receiving a Form DR5 notice. However, your landlord does not have to agree, so act quickly and propose a plan they may accept.
2. Does a landlord have to offer me a repayment plan?
   No, Nova Scotia law does not require landlords to offer repayment plans. However, many are willing if you communicate early and show a sincere effort to pay.
3. What happens if I miss a payment in my repayment plan?
   If you miss a payment, your landlord can move forward with eviction without giving a new notice. Only agree to a plan you know you can follow.
4. How do I appeal or dispute a notice to quit for unpaid rent?
   You can respond by paying the arrears in full before the deadline, or you can apply for a hearing using Form D: Application to Director.
5. Where can I find official forms and more information?
   All official forms and tenant guides are available through the Nova Scotia Residential Tenancies Program.

Need Help? Resources for Tenants

• Nova Scotia Residential Tenancies Program: Official Tribunal Website, phone 1-800-670-4357
• Dalhousie Legal Aid Service: Free legal help for eligible tenants – dal.ca/dlas
• Tenant Rights and Landlord Rights in Nova Scotia
• For more advice and support, contact local tenant advocacy groups or community legal clinics.

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1. [1] Residential Tenancies Act (Nova Scotia)

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