Individuals and families continue to suffer because of coronavirus layoffs. Even though the country is beginning to reopen, large sections of the country continue to be under partial shutdowns. Cities and states that have reopened are still experiencing economic problems. Therefore, the unemployment caused by coronavirus layoffs may continue for a long time after everything reopens.
Our Scottsdale bankruptcy attorneys understand that you may be experiencing a severe financial hardship caused by COVID-19. Below is some information that you might find useful as you try to get back on your feet financially.
What is the Difference Between Being Furloughed and Laid Off?
Being furloughed means that you have not lost your job, but you are out of work without pay. You expect to return to work in the future. On the other hand, being laid off means that you are out of a job. Your employment with the company was terminated. However, being laid off should not impact your eligibility for unemployment compensation.
Can the CARES Act Help Me If I Lose My Job Because of the Coronavirus?
The CARES Act made it possible for many people to receive unemployment benefits who may not generally qualify for unemployment insurance. Freelancers, self-employed individuals, independent contractors, gig workers, and others may receive unemployment benefits if they are out of work because of COVID-19.
In addition, the Act adds another 13 weeks of benefits for unemployed workers. Also, workers can receive $600 per week in addition to the standard unemployment benefits offered by the state.
How Do I File Unemployment in Scottsdale, AZ?
Workers who have lost their job because of COVID-19 need to apply for unemployment benefits under the Pandemic Unemployment Assistance program. There is a separate portal online to apply for benefits under the PUA program. It is important to use this portal to ensure you receive all the benefits you might be entitled to receive.
Claims for unemployment benefits under the regular system may also be filed online with the Arizona Department of Economic Security (DES).
If you believe your unemployment benefits were denied without a valid reason, contact the DES immediately. The matter may be corrected by providing additional information or correcting an error on your application. If you still do not receive your unemployment benefits, contact an employment attorney for help.
Am I Eligible for Unemployment Benefits?
The state has other requirements that you must meet to qualify for unemployment benefits. The requirements depend on a variety of factors. If you have questions, contact an attorney or the DES.
What Do I Do About My Bills If I Am Laid Off or Unemployed?
Many people have used their savings and retirement funds to pay bills. Before you do that too, you may want to talk to our Scottsdale bankruptcy lawyers about bankruptcy options to get rid of debts.
If you are having trouble paying your rent or mortgage payments, the Arizona Department of Housing has information and resources on its website for tenants and homeowners. You can also find information about food assistance, housing assistance, and other programs that can help you manage during the shutdown on the website for 2-1-1 Arizona.
Should I Contact a Scottsdale Bankruptcy Lawyer?
Yes, if you have debts you cannot pay, filing bankruptcy in Scottsdale could help. Some people who may not have qualified for Chapter 7 before COVID-19 may meet the income qualifications for Chapter 7 after being out of work. A Chapter 7 bankruptcy filing could get rid of your debts in as little as six months after filing your bankruptcy petition.
Contact Our Scottsdale Bankruptcy Lawyers for More Information
The legal team of 602 Law Group is working for you during this difficult time. We offer telephone and video consultations so that you do not have to leave home to get the bankruptcy advice you need.