June 27, 2026 · 5 min read

What to Do When Your Roommate Doesn't Pay Rent

It's the first of the month. Rent is due. And your roommate says they can't pay — again. Here's exactly what to do.

1. Don't Panic. Don't Ignore It.

The worst thing you can do is nothing. If you're on a joint lease, you're both responsible for the full rent. If your roommate doesn't pay, the landlord can come after you for the full amount.

2. Have the Conversation

Before escalating, talk to them. Use “I” statements: “I'm worried about making rent this month. Can we talk about a plan?” Maybe they lost their job, had a medical emergency, or just forgot. Find out the reason first.

3. Put Everything in Writing

If they promise to pay later, get it in writing. A text message is better than nothing. A signed IOU or revised roommate agreement is even better. This protects you if you end up in small claims court.

4. Talk to Your Landlord

If you have a good relationship with your landlord, be upfront. They may offer a partial payment plan or give you extra time. Landlords prefer communication over surprises.

5. Know Your Legal Options

If the roommate refuses to pay and won't leave, you may need to go to small claims court. Keep all receipts, messages, and the original agreement. A written roommate agreement with clear payment terms makes this much easier.