Assuming that you have been impacted by the virus in one of the enumerated ways and therefore qualify, you can take a penalty-free distribution (as well as waive the 20% withholding requirement) from your 401k (assuming that the employer allows it) anytime between 1/1/2020 and 12/31/2020.

If approved, landlords would likely have to refund any collected rent from impacted tenants.

Most tenants will likely pay their car note before they pay their rent because most states heavily impacted by this have frozen (to some extent or another) evictions.

PorterI was afraid it would increase my insurance premium or have some kind of adverse impact for making the claim.

Are there any of the designations that you have found are essential or more impactful for new agents to get? 

The memorandum includes a recommendation to "enact an emergency resolution for a residential rent suspension for 90 days for all units if the tenant can demonstrate a direct financial impact due to the coronavirus pandemic."

COVID-19 has a far-reaching impact on the economy and is impacting the world of real estate.

With the 12 month forbearance on impacted mortgages, it won't be until the summer of next year that we see foreclosures starting. 

It's a bit different to have a renter with a strong payment history impacted by the current situation versus starting off with a renter not paying.Also, I ask to see payment ledger (may not have helped in this case) and information on the tenant.

It's important for us to be familiar with those new rules as the situation with Covid-19 and it's impact on the rental market evolves.Rent Payment Plan:https://www.alberta.ca/assets/documents/COVID-19-rent-payment-plans.pdfEviction Enforcement Suspension:https://www.alberta.ca/assets/documents/COVID-19-suspending-eviction-enforcement.pdf