COVID-19 (Coronavirus) Information
The Village of Hinsdale and local, state, and federal health partners are closely monitoring the impact of the Coronavirus (COVID-19). To help keep the Hinsdale community safe, we ask that you do your part to prevent the spread of illness. As the situation evolves, The Village will continue to provide information and updates here. Residents are encouraged to sign up for the Village eNews.
The Village of Hinsdale closed to the public beginning the week of March 16, 2020. Critical operations, including services provided by our Police, Fire, Public Works, and the Hinsdale Water Department will not be impacted. During this closure, Village of Hinsdale employees that support the administrative functions will continue to provide services remotely. The Village made this decision based on recommendations from Governor J.B. Pritzker on March 12; advising organizations throughout the State of Illinois to consider social distancing to prevent the spread of COVID-19.Residents can find contact information by service area by navigating to the Department tabs linked above and view how to access Village services electronically here.
Residents may call (630)789-7000 for general government concerns, or for non-emergency concerns contact the Police Department non-emergency line at (630)789-7070 or the Fire Department non-emergency line at (630)789-7060.
Visit the State of Illinois' website specific to providing information on the Coronavirus here.
Governor Pritzker's office is collecting and responding to questions regarding the State’s response to the COVID-19 outbreak. Citizens may email Gov.COVID19stakeholder@illinois.gov, with questions, comments & recommendations.
Please contact the Illinois Department of Public Health with specific questions about Coronavirus (COVID-19) by calling (800) 889-3931 or email DPH.SICK@ILLINOIS.gov
Please select from the following drop-down menus for more COVID-19 information in regard to Village services, health reminders, available resources, and local Village organizations.
What changes have been made to Village Services?
The Village of Hinsdale closed to the public beginning the week of March 16, 2020. Critical operations, including services provided by our Police, Fire, Public Works, and the Hinsdale Water Department will not be impacted. During this closure, Village of Hinsdale employees that support the administrative functions will continue to provide services remotely. The Village made this decision based on recommendations from Governor J.B. Pritzker on March 12; advising organizations throughout the State of Illinois to consider social distancing to prevent the spread of COVID-19.
Critical operations, including services provided by our Police, Fire, Public Works, and the Hinsdale Water Department will not be impacted. During this closure, Village of Hinsdale employees that support the administrative functions will continue to provide services. Residents can find contact information by service area by navigating to the Department tabs linked above and view our flyer on how to access Village services electronically.
Likewise, residents may call (630)789-7000 for assistance with accessing Village services during this time.
How can I get in contact with a specific Village department or staff member?
- EMERGENCY police and fire services: Call 9-1-1 for police, fire and emergency medical services.
- Non-emergency police and fire services: Please call the Fire Department at (630)789-7060 or Police at (630)789-7070
- Utility billing, vehicle and animal license, alarm permit and other finance questions: Please contact the general contact number (630)789-7000 or Water Billing Coordinator at (630)789-7020. Residents can also renew vehicle stickers online here.
- Garbage and recycling questions: Please contact Republic Services Allied Waste at (630)964-3232 or the Public Works Department at (630)789-7041.
- Engineering, Building, zoning and permitting questions: Please contact Community Development at (630)789-7030.
- General Public Works service requests: Please call the Public Works Department at (630)789-7041.
- Parks and Recreation questions: Please call the Parks & Rec Department at (630)789-7091.
Updates on Recreation Department Operations
As an effort to encourage social distancing, we are temporarily suspending all programming through May 31. An update on future programming will be provided at that time. Registered participants will receive an email from us explaining the status of their program.
The Village's Recreation Department will continue to update participants on any program or event cancellations in correspondence with Village Hall closures and state restrictions on gatherings and social distancing.
The Governor's most recent Shelter-in-place Executive Order allows for restricted and gradual opening of golf courses and other recreational activities. Read the April 30 Department's Release to learn the specific changes The Village of Hinsdale will be instituting starting May 1.
Keeping the community engaged and positive during this time is important, so the department has been encouraging residents to participate in various virtual activities. Follow them on social media to find the latest activities.
Facebook : https://www.facebook.com/HinsdaleParksandRecreation/
Navigate to the Parks and Recreation Department page for more information on operation and accessing services.
If you have any questions please contact the department at (630)789-7091 or firstname.lastname@example.org
Hinsdale Platform Tennis Association (HPTA) is closing the KLM Platform Hut through April 1st effective immediately due to the cirucmstances surrounding COVID-19. Courts are also closed.
- 3/13/2020 Letter to Parks and Recreation Participants and Families regarding program operations through March 31st.
The DOs and DON'Ts of Visiting Your Local Park
While parks remain open for public use, they are not to be used as spaces for community gathering. The Village continues to receive notification of violators and requests that all residents comply to the following rules and guidelines out of social responsibility and to keep Hinsdale as safe as possible from the COVID-19 pandemic.
For questions on what is or is not permitted in open park space during the COVID-19 pandemic call the Parks & Recreation Department at (630)789-7091 or email email@example.com
Stay at Home Executive Orders (through May 30)
On April 23, 2020 Governor Pritzker announced the extension of the Stay-at-Home order through May 30th. Changes to the order are highlighted in attached flyer.
- The official Executive Orders: EO 2020 34, EO 2020 32, EO 2020 33
- April 30 Disaster Proclamation
- Information on Governor Pritzker's Stay-at-Home Executive Order through April 30 can be found here.
Stay at Home Executive Order FAQ - 3/20/2020
On Friday, March 20th, Governor Pritzker issued Executive Order 2020-10 requiring all Illinoisans to stay in their homes to prevent the further spread of COVID-19. The order prohibits things like visiting the homes of friends and holding gatherings of any size and closes all nonessential establishments, including most retail, recreation and entertainment businesses. It does NOT prohibit essential activities like going to the grocery store, receiving medical care, or taking your pet for a walk. For more information on what this order means for you, please see below.
When does the order take effect?
The order will take effect Saturday, March 21st at 5pm CST.
Where does the Stay at Home order apply?
The Governor’s executive order includes the entire state. Unless you work for an essential business or are doing an essential activity, you should stay home.
Is this mandatory or just guidance?
This order is mandatory. To help prevent the further spread of COVID-19 in Illinois and protect our friends, neighbors, and vulnerable populations, please stay home.
How will this order be enforced?
Staying home is critical to reducing the spread of COVID-19 in your community. The Illinois State Police will work with local law enforcement to enforce this order but adhering to the order will save lives and it is the responsibility of every Illinoisan to do their part.
Will the Illinois National Guard be enforcing this order?
No. The Illinois National Guard will be supporting logistics, transportation, and medical response efforts. The Guard will not be enforcing this order.
I work in an essential service. How will the police know I’m allowed to be outside my house?
Law enforcement officials will not stop residents who are on their way to or from work or who are out for necessities like going to the pharmacy or getting groceries, or just taking a walk. Illinoisans should abstain from all nonessential activities. Adhering to the order will save lives and it is the responsibility of every Illinoisan to do their part.
Will grocery stores be open?
Yes, essential services will still be operational including, but not limited to:
- Grocery stores
- Gas stations
- Police stations
- Fire stations
- Hospitals, clinics and healthcare operations
- Public transportation
- Public benefits (i.e. SNAP, Medicaid) hotlines
- A full list can be found in the executive order at coronavirus.illinois.gov
How can I get medical care if I need it?
If you are feeling sick, call your doctor, a nurse hotline, any telehealth hotline set up specifically for COVID-19 (check with your insurance company) or an urgent care center. Do not go to an emergency room unless necessary. Nonessential medical care like eye exams and teeth-cleaning should be postponed. When possible, healthcare visits should be done remotely. Contact your healthcare provider to see what tele-health services they provide.
What is the guidance for individuals with intellectual and developmental disabilities?
State Operated Developmental Centers, Intermediate Care Facilities for Individuals with Developmental Disabilities and Community Integrated Living Arrangements will continue to provide care. All in-home direct care staff are considered essential staff and should continue to support individuals in the home setting.
If you have any specific questions about your support and services, please reach out to your provider or Individual Service Coordination (ISC) Agency. To receive updated information on DDD services, please sign up for our email database, or to update your contact and service information, please visit www.DDD.Illinois.gov .
What if I still have to go to work?
Unless your work is an essential function (i.e. healthcare provider, grocery store clerk, first responder), you should stay home. If you have been designated essential by your employer, you should continue to go to work and practice social distancing.
What if I think my business should be closed but I’m still being asked to operate?
Essential businesses will remain open during the Stay at Home order to provide services that are vital to the lives of Illinoisans. Those businesses include, but are not limited to, pharmacies, certain government offices, day care centers that provide care for the children of essential employees, and restaurants providing take-out meals. If you work for an essential business, you should continue to practice social distancing and should stay at home outside of work hours. If you believe your business is nonessential but are still being asked to show up to work, you may discuss with your employer.
Can I order food/groceries?
Yes, grocery delivery will be available as well as meal-delivery, drive through, and take-out options.
A certain service is essential for me, but the Governor didn’t include it, what do I do?
The Stay at Home order was issued to protect the health, safety and well-being of Illinoisans. While some businesses like fitness centers and salons will be closed, essential services will always be available. For a full list of businesses that will still operate during the order, visit coronavirus.illinois.gov.
Will public transportation and ridesharing be available?
Public transportation and ridesharing should be used for essential travel only. When possible, walk or drive yourself.
Will roads in Illinois be closed?
No, the roads will not be closed in Illinois. You should only travel if it is essential to your work or health.
Can I take a flight out of state?
Planes and any other form of travel should only be used for essential purposes.
What if my home is not a safe environment?
If it is not safe for you to remain home, you are able and urged to find another safe place to stay during this order. Please reach out so we can help. You may call the domestic violence hotline at 1-877-863-6338 or contact your local law enforcement.
What about homeless people who can’t stay at home?
The administration wants to protect the health and safety of all Illinoisans, regardless of where they live.State agencies are partnering with community organizations to provide funding and resources to ensure our homeless population has safe shelter.
Can I visit friends and family?
For your safety, as well as the safety of those in your community, you should remain at home to help fight the spread of COVID-19. You may visit family members who need medical or other essential assistance, such as ensuring an adequate supply of food.
What about my pet?
You are allowed to walk your dog and seek medical care for your pet should they require it. Be sure to practice social distancing while out on walks, maintaining at least 6 feet from other neighbors and their pets.
Does the Stay at Home order mean I can’t take my kids to the park?
State parks will be closed during the Stay at Home order. Families will still be able to go outside and take a walk, run, or bike rid but should continue to practice social distancing by remaining 6 feet away from other people. Playgrounds are closed because they pose a high risk of increasing transmission.
What is the difference between the Stay at Home order and social distancing?
Social distancing is an important first step in preventing the spread of a disease like COVID-19 that allows people to go about their daily activities while taking extra health and safety precautions. The Stay at Home order requires people to remain in their homes unless they have an essential job or are doing an essential task like going to the grocery store or walking a pet.
Can I leave home to go to religious services?
Large gatherings, such as church services, will be cancelled to prevent the spread of COVID-19.
Can I leave home to exercise?
Yes. Outdoor exercise like running or taking a walk is perfectly acceptable; however, exercise gyms, fitness centers and associated facilities will be closed to reduce the spread of coronavirus. While exercising outside, you should still practice social distancing by running or walking at least six feet away from other people.
Can I pick up meals being provided by my child’s school?
Yes. Schools that provide free food services to students will continue on a pick-up and take-home basis. However, if you are experiencing symptoms or are currently in isolation, you should stay at home and follow the guidelines provided by your physician.
Can I go out to do laundry?
Yes. Laundromats, dry cleaners and laundry service providers are considered essential businesses that will remain open. However, if you are experiencing symptoms or are currently in isolation, you should stay at home and follow the guidelines provide by your physician.
Can I take my child to day care?
If you are considered an essential worker under the Order, you can take your child to a day care that is licensed on an emergency basis for the purpose of childcare for essential workers. Licensed day care homes for up to 12 children will be closed but may reopen as an unlicensed day care home for up to 6 children.
Restore Illinois - Phases of Reopening Our State - Public Health Approach from Gov. Pritzker
The Office of Governor Pritzker released a comprehensive guide covering the phases and public health approach to reopening our state. Read their "Restore Illinois " release and visit the IDPH Restore Illinois webpage here.
PHASE 3 (beginning May 29, 2020)
May 20, 2020 - The Office of Governor Pritzker released updates to Phase 3 of the Restore Illinois plan, scheduled to begin May 29. Included are updates regarding outdoor seating for bars and restaurants, outdoor activities, health clubs, retail, and personal care services. - Read the Release Here
- View the Retail Guidelines for Phase 3
Face Covering Reminders and Tips
How can I protect myself and my family?
The Illinois Department of Health (IDPH) recommends the following actions to prevent the spread of coronavirus, influenza, and other seasonal illnesses.
- Wash your hands often with soap and water for at least 20 seconds
- Avoid touching your eyes, nose, or mouth with unwashed hands
- Avoid close contact with people who are sick
- Cover coughs and sneezes with a tissue
- Clean and disinfect frequently touched objects and surfaces
- Stay home when sick, except to seek medical care
The CDC recommends avoiding discretionary travel and travel to places currently impacted by COVID-19. For travel advice, please visit the CDC’s Travel Health Notice website. Travelers returning from countries with a Travel Alert 3 should stay home and monitor their health for up to 14 days.
What are the symptoms? Is there a treatment? Who should I call?
Those infected by COVID-19 develop upper respiratory illness with symptoms including fever, cough, and shortness of breath beginning 2-14 days after exposure. Lower respiratory illnesses such as pneumonia or bronchitis are also possible.
There is no specific medicine to treat COVID-19 at this time. Those sick should receive supportive care from a health care professional to help relieve symptoms.
If you are sick, first call your primary care doctor. Stay home and limit contact with others. Follow the CDC's recommendations for "What To Do If You Are Sick."
Who Should I Call? Illinois Department of Health FAQ
Answers to the following common questions can be found on the attached flyer provided by the Illinois Department of Public Health.
Burr Ridge Testing Site with MIDC
Beginning Monday, March 23, with prior approval qualifying individuals will be able to be tested for COVID-19 with Burr Ridge based Metro Infectious Disease Consultants (MIDC) – an affiliate of Advocate Health and part of the nation’s largest infectious disease medical group. MIDC has been working diligently to equip a medical tent in its parking lot at 901 McClintock Drive. To find out if you qualify and can be tested call (630) 655-8032 or if busy, (630) 654-4201.
- I want to know more about COVID-19, who should I call?
- I am not feeling well, and have respitory symtoms, what should I do?
- I think I need immediate medical attention, who should I call?
Cases in DuPage and Cook Counties - Health Dept. Web Pages
DuPage County Health Department COVID-19 Dashboard is a valuable resource to learn how the pandemic is specifically effecting the Hinsdale community and the entire county. The dashboard is updated daily. Use the information on this dashboard to distinguish between the number of Hinsdale cases in long term care facilties versus the general public.
Cases in Long Term Health Care Facilities Versus the General Public
Use the dashboard to find up to date information on the breakdown of cases in Hinsdale for long term health care facilities versus the general community.
- Start by opening the DCHD COVID-19 Dashboard
- Navigate to the chart labeled "COVID-19 Cases by Municipality among DuPage County Residents, 2020" - expand the chart using the arrows in the top right of the chart
- Once the chart is expanded, hover over the data bars to highlight the Hinsdale data, click to highlight
- Use the buttons at the bottom of the chart to click "Total Cases Community vs. Outbreak" to see the breakdown of cases in long term health care faciltities (orange = Outbreak) and the Community (blue = general Hinsdale public)
Garbage and Recycling Questions
Updates regarding temporary changes to Republic Services refuse collection operations due to COVID-19.
For questions please contact Republic Services Allied Waste at (630)964-3232 or the Public Works Department at (630)789-7041.
Beginning Monday, March 30, there will be a couple of temporary changes to the Village’s residential refuse and recycling collections. In response to the COVID-19 pandemic, Republic Services has temporarily suspended the collection of yard waste and bulk items. Yard waste collection typically begins in April, but will be postponed until a later date. The Village will post notice on the website when Republic lifts these temporary restrictions.
The recycling processing outlets are still open, so all recyclable materials are being processed. Should the processing outlets close, Republic has agree to pick-up recyclables materials, however, they would be processed as regular refuse.
Regular garbage and recycling will continue to be collected on their normal collection days.
In response to the COVID-19 pandemic, Republic Services has delayed the start of yard waste collection. Yard waste collection typically begins on April 1, but will be postponed until the week starting Monday, April 20.
Yard Waste Alternatives:
For large quantities of landscape waste that can't be managed at a residence, there are several landscape waste transfer stations in DuPage that will be or are currently open and accepting landscape waste. Each one will have its own procedures for accepting material from residents or 3rd parties, so residents will want to call for details.
AK Mulch & Firewood
631 E Wildwood Ave
Villa Park, Illinois 60181
Anderson Landscape Supply
787 S. Route 83
Elmhurst, IL 60126
DuPage Yard Waste/Midwest Compost
1195 W. Washington St.
West Chicago, IL 60185
Green Lawn Care Practices as Alternatives to Collection
For smaller quantities, we advise managing landscape waste with green lawn care practices or composting. Consider techniques for mowing and leaving grass clippings in-place. Below are some tips on green lawn care and we also suggest the University of IL Extension's resources on maintaining a natural lawn.
- Recycling grass clippings back to the lawn
- Clippings are a valuable source of nutrients and you can use less nitrogen fertilizer if you recycle clippings to the lawn.
- Adding organic matter from clippings may help improve your soil if it is sandy, heavy clay or low in organic matter.
- Regular mowing will greatly reduce the need to collect clippings. Avoid cutting more than 1/3 of the grass height at a time.
- Composting at home is another way to avoid the need for yard waste pickup. Please note improper and incomplete composting can lead to odor issues if the compost pile is not managed correctly. Below are some additional sites that have composting lawn care info. The Illinois Food Scrap Coalition (IFSC) has a great handout for starting composting at home. Here are some additional resources that help homeowners learn how to cut their grass to and help with setting up at-home composting.
Will my electric, gas, water and other utilities be impacted?
Depending on the utility, The Village recommends that residents reach out to their service providers for the most updated information. Here is a list of updates from a few of the Village's local utlity providers.
- AT&T: AT&T will not terminate the service of any wireless, home phone or broadband residential or small business customer because of their inability to pay their bill due to disruptions caused by the coronavirus pandemic. In addition, AT&T will waive late fees if related to disruptions casued by COVID-19.
- Comcast: Comcast will not disconnect a customer’s internet service or assess late fees if they contact Comcast and let Comcast know that they can’t pay their bills during this period.
- ComEd: ComEd has voluntarily implemented a moratorium on service disconnections for non-payment, effective immediately. This suspension will apply to both residential and commercial customers and will remain in effect at least until May 1. To further support customers who may be impacted by the pandemic, ComEd will offer flexible pay plans to customers who indicate either an impact or hardship as a result of COVID-19. (ComEd Taking Steps to Support Customers - Press Release )
- 4/9/2020 Update from ComEd on Support for Customers
- 4/16/2020 Update from ComEd on Further Support for Customers
- The DuPage Water Commission wants to remind its customers that tap water is safe to use and drink. Please see their press release regarding the COVID-19 outbreak for more information.
Are Metra Services impacted?
Metra will begin operating an alternate weekday schedule on Monday, March 23, to adjust for the reduced number of riders due to school closures, work-fromhome mandates and other consequences of the coronavirus pandemic.
The alternate schedules, which can be viewed on metrarail.com, represent about half of Metra’s normal weekday service but provide adequate service for those who still need to travel.
View Metra's March 19 Press Release here.
Are Hinsdale Schools, The Community House and the Hinsdale Public Library open?
The Hinsdale Public Library and the The Community House have also announced temporary closures of their facilities and programming, while the Governor has mandated the closure of all K-12 educational facilities, District 181 and District 86 may have additional informational available on their respective websites.
Help for Consumers Struggling Paying Debts
Illinois Department of Financial and Professional Regulation Announces Help for Consumers Struggling to Make Payments on their Debts Due to the COVID-19 Crisis and Guidance for its Regulated Financial Sectors
CHICAGO – The Illinois Department of Financial and Professional Regulation today announced a series of actions to ensure the protection of Illinoisans in many areas of consumer borrowing, servicing, and collections. The Department also provided Guidance to its regulated entities, state banks, credit unions, installment lenders, payday lenders, title loan lenders, sales finance lenders including auto loans, currency exchanges, student loan servicers, mortgage servicers, and collection agencies concerning their lending, servicing, and collection during the COVID-19 pandemic.
IDFPR guidance for state banks and credit unions and help for their consumers
The Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking and Division of Financial Institutions strongly urges banks and credit unions to respond to borrowers affected by the current economic environment, such as small businesses, hourly workers, and independent contractors.
Although IDFPR is aware that many state banks and credit unions are already providing modifications, forbearances, and new loans to consumers and businesses, IDFPR is encouraging all banks and credit unions to consider taking the following actions:
• Offering payment accommodations (such as allowing borrowers to defer payments at no cost or extending the payment due dates)
• Providing new loans on favorable terms to businesses and consumers
• Waiving certain fees (such as those for ATM usage, overdrafting, and late payments on credits cards and other loans)
• Increasing ATM daily cash withdrawal limits
• Easing restrictions on cashing out-of-state and non-customer checks
• Increasing credit card limits for creditworthy borrowers
• Alerting customers to the heightened risk of scams and price gouging during the COVID-19 disruptions
• Reminding customers to contact their financial institutions before entering into unsolicited financial assistance programs
• Ensuring that consumers and small businesses don’t experience a disruption of service if financial institutions close their offices
Additionally, banks and credit unions should contact customers via app announcements, text, email, or otherwise to explain the above-listed assistance being offered to customers. Guidance to Illinois-licensed depository institutions regarding support for borrowers impacted by COVID-19 may be viewed here https://www.idfpr.com/COVID-19.asp.
The Department supports banks and credit unions using their capital and liquidity buffers to lend and undertake other supportive actions in a safe and sound manner. For more information, institutions can refer to the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus, FDIC Financial Institution Letter FIL-20-2020, and NCUA Letter to Credit Unions 20-CU-02 as applicable. There is also an FAQ for credit unions intended to consolidate answers to common questions DFI has received from credit unions during the COVID-19 pandemic.
The Department recognizes such efforts serve the long-term interest of Illinois communities and banks and credit unions when conducted with appropriate management oversight and that they are consistent with safe and sound practices and applicable laws, including consumer protection laws. Prudent efforts to help consumers and businesses will not be subject to examiner criticism.
What consumers should know if they have outstanding loans or want to borrow from payday, installment, title, or sales finance lenders including auto loans and IDFPR guidance for the industry
1. IDFPR encourages its lenders to work with borrowers during the COVID-19 pandemic to offer forbearance on payments without interest and late fees and refrain from negative credit reporting by using the specially-created disaster code.
2. If a lender closes its doors for health reasons, the lender will provide notice soon thereafter to IDFPR and provide reasonable ways to ensure borrowers can make payments to avoid delinquency.
3. Consumers who are experiencing financial difficulties during the COVID-19 pandemic and are seeking loan assistance should look for the most affordable loan options by considering the advertised APR and other loan costs.
4. For questions or complaints about licensed consumer lenders, go to http://www.idfpr.com/DFI/DFIComplaintForm.asp.
Help for renters and homeowners struggling with payments during COVID-19 pandemic and IDFPR guidance for mortgage servicers
If you are struggling to make rent or mortgage payments, here is some important information you should know:
Actions that have been taken:
1. Governor Pritzker issued an Executive Order on March 20, 2020 pausing all evictions from homes and rental units.
2. IDFPR is urging all mortgage servicers to defer mortgage payments for 90 days for those who are suffering hardship as a result of the COVID-19 pandemic.
3. Actions have been taken with regard to certain mortgages:
Single Family Home Loans Financed by Fannie Mae and Freddie Mac:
Foreclosure sales and evictions have been suspended for these loans. The following measures may be available:
• Forbearance or reduction of mortgage payments for up to 12 months
• Suspension of late charges and penalties
• Suspension of reporting to credit bureaus of past due payments
Multifamily Home Loans Financed by Fannie Mae and Freddie Mac:
Forbearance on multifamily home loans on the condition that borrowers suspend all evictions for renters struggling to pay rent due to the coronavirus crisis.
FHA/HUD and Reverse Mortgages for Seniors:
Suspension of evictions and foreclosures for 60 days on FHA single family home loans and reverse mortgages for seniors. The suspension applies to new foreclosures and foreclosures currently in progress.
VA loans: Guidance from VA urges mortgage servicers to:
• Ensure borrowers unable to make their payments are evaluated for VA Loss Mitigation options
• Waive late fees of affected loans
• Suspend credit reporting to avoid damaging credit records
Other Mortgage Loans: For a list of individual bank modification programs visit this link https://www.aba.com/about-us/press-room/industry-response-coronavirus. Credit unions are also offering modifications. Check with your credit union to see if they are participating or visit https://www.icul.com/covid-19-best-practices-2/.
Here are specific actions you can take:
1. Contact your landlord and mortgage servicer immediately
2. Contact your mortgage servicer or lender to learn about their most up-to-date mortgage relief programs
3. Contact the following for additional assistance:
- A HUD certified housing counselor (Go to www.HUD.com to find a counselor near you),
- A legal assistance agency for the rights of renters, or visit https://www.carpls.org/client-services/
- If you are a veteran that has questions about their mortgage options, please contact the St. Paul VA Regional Office at 1-877-827-3702
- The Illinois Attorney General’s Mortgage Helpline at 1-866-544-7151
- IDFPR at 1-888-473-4858
- If you believe you are not being treated properly by your mortgage servicer, you may either file a complaint with the Illinois Attorney General’s office or with IDFPR.
Guidance to Illinois-licensed mortgage servicers and exempt mortgage servicers regarding support for borrowers impacted by COVID-19 may be viewed here https://www.idfpr.com/COVID-19.asp.
Help for students struggling with payments during COVID-19 pandemic and IDFPR guidance for student loan servicers
If you are struggling to make you student loan payments, here is some important information you should know:
Actions that have been taken by Congress for federal student loans held by the US Department of Education:
1. Interest rates on federal student loans have been reduced to 0% until September 30, 2020.
2. Repayment on federal student loans are suspended until September 30, 2020.
3. Involuntary collection activity on federal student loans including wage garnishments and offsets will be suspended until September 30, 2020. Further, it will refund $1.8 billion to 830,000 borrowers in money that has been previously subject to offset.
4. Credit reporting will take place as if the borrower were making timely payments.
Here are specific actions you can take for both private and federal student loans:
1. Contact your student loan servicer as quickly as possible if you are having trouble making your payments. Servicers can assist you to select the repayment option that best fits your financial circumstances, including income-based repayment options.
2. Borrowers experiencing trouble with their student loan servicers are encouraged to contact the following:
- Contact the IDPFR Division of Banking 217-785-2900 for information or to file a complaint with IDFPR.
- Contact the Attorney General’s Student Loan Helpline at 1-800-455-2456 or file a complaint with the Office of the Illinois Attorney General.
- To find out if you have a federal student loan, visit the Department of Education’s National Student Loan Data System (NSLDS) at nslds.ed.gov or call the Department of Education’s Federal Student Aid Information Center at 1-800-433-3243 or 1-800-730-8913 (TDD).
Guidance to Illinois-licensed student loan servicers regarding support for borrowers impacted by COVID-19 may be viewed here https://www.idfpr.com/COVID-19.asp..
Guidance for debt collection agencies and information for consumers about debt collection during COVID-19 pandemic
Information you should know:
1. Debt collection is not listed as essential businesses under Governor Pritzker’s Order of March 20, 2020. However, debt collectors may continue to operate remotely.
2. The Department is encouraging debt collectors and debt buyers to work with consumers to accommodate hardships due to the COVID-19 crisis, including to suspend collection activity for a period of at least 60 days.
3. Consumers should be aware of their rights, including:
- Debt collectors cannot call you at places and times known to be inconvenient
- Debt collectors must tell you the truth about the amount of your debt
- Debt collectors cannot use deceptive methods to collect a debt from you
IDFPR will send regulatory guidance to these licensees that they must continue to follow consumer protection and debt collection laws and will be monitoring their compliance.
Anyone who is experiencing a problem with a collection agency or debt buyer can file a complaint with IDFPR or with the Illinois Attorney General’s Office.
Help to protect consumers’ credit history due to hardships caused by the COVID-19 pandemic
Information you should know:
1. IDFPR issued guidance to its financial licensees about steps they can take to mitigate damage to borrowers’ credit during the COVID-19 crisis.
2. If creditors report consumers’ credit information, they should use the disaster code in conjunction with a deferment, which will have neutral impact on a borrower’s credit.
3. If consumers have trouble making their payments, they should contact their creditors to explore potential deferments or payment plans.
4. Consumers should regularly monitor their credit and contact their creditors and consumer reporting agencies if they find any errors.
Steps you can take:
1. Consumers should regularly check their credit and dispute any incorrect information the consumer reporting agencies.
2. Under federal law, everyone is entitled to one free credit report from each of the three agencies annually. You can request and review your free report through one of the following ways:
- Online: Visit AnnualCreditReport.com
- Phone: Call (877) 322-8228
3. For information about your rights visit:
- The CFPB at https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/
- The FTC at https://www.consumer.ftc.gov/articles/0155-free-credit-reports
Governor Pritzker Issues Executive Order 14 Addressing the Repossession of Vehicles
The Executive Order states:
Section 1. Beginning March 27, 2020 and continuing for the duration of the Gubernatorial Disaster Proclamation, the provisions of the Uniform Commercial Code, 810 ILCS 5/9-609, regarding the possession or usability of a vehicle, and the provisions of the Illinois Vehicle Code, 625 ILCS 5/3-114, regarding the repossession of vehicles, are suspended. No provision contained in this Executive Order shall be construed as relieving any individual of the obligation to make payments or comply with any other obligation that an individual may have pursuant to a loan agreement or otherwise.
*View the attached document summarizing the current available business assistance programs. (4/24/2020)
Business Resources and FAQ
Are your business resources essential or non-essential?
View the Illinois Department of Commerce Essential Business Flowchart for assistance in determining whether your business' operations are deemed essential or non-essential, what factors to consider when deciding if employees should or should not work from home, and what precautions to take if they cannot.
FAQ for the Department of Commerce & Economic Opportunity
Attached are questions and answers from the Department of Commerce and Economic Opportunity (DCEO) that answer a lot of what business owners have been asking
Public Assistance Grant Program
On March 26, the Trump Administration approved the State of Illinois’ major disaster declaration request. This declaration provides Public Assistance (PA) funding for local governments and certain private non-profit organizations through the Robert T. Stafford Disaster Relief and Emergency Assistance Act (Stafford Act).
The purpose of the Public Assistance Grant Program is to support communities’ recovery from major disasters by providing them with grant assistance for life-saving emergency protective measures, and restoring public infrastructure. Applicants with over $3,300 of costs directly related to coronavirus (COVID-19) response will be reimbursed for 75 percent of the costs associated with the response and emergency protective measures.
The State of Illinois is coordinating applications and assisting applicants through the process. For more information or to apply for Public Assistance, please email PA.Grants@Illinois.gov.
What Resources Should I Be Aware Of?
Under the leadership of Governor Pritzker, the Illinois Department of Commerce is working with partners to launch emergency assistance programs for Illinois small businesses. For more information on these initiatives click here.
Small business owners affected by COVID-19 are asked to complete the attached questionnaire from the Department of Commerce and Economic Opportunity (DCEO), linked here.
The Small Business Administration will be providing disaster assistance loans to help businesses through any disruption that may be caused by the coronavirus.
- Front-Line Staff Information for SBA Economic Injury Disaster Loan Program - Read More
- Small Business Webinar Material -SBA to provide Economic Injury Disaster Loans for Coronavirus related economic disruptions - Read More
- Small Business Association Disaster Assistance in Response to the Coronavirus -Read More
- U.S. Small Business Administration Disaster Business Loan Application
Payroll Protection Program
Provided is the link to the application for the Payroll Protection Program offering forgivable loans to small businesses and not for profits. The Small Business Administration notes that lenders may BEGIN processing loan applications as soon as April 3, 2020. The Paycheck Protection Program will be available through June 30, 2020.
Once completed you must submit to YOUR SBA lender. You may apply through any existing SBA lender or through any federally insured depository institution, federally insured credit union.
Rep. Casten voted to pass the Paycheck Protection Program and Health Care Enhancement Act, a $480 billion interim funding bill to support small businesses, hospitals, and nationwide COVID testing. The President is expected to sign this bill soon. This additional funding includes a $310 billion increase to the Paycheck Protection Program (PPP) and an additional $60 billion for Economic Impact Disaster Loans (EIDL). Another $7 billion was provided for hospitals and health workers, and $25 billion for nationwide testing.
To assist our small businesses and nonprofits here in the 6th Congressional District of Illinois, Rep. Casten will host a Webinar on Saturday, 4/25, at 12:00 pm CT. Your members can register for this webinar here. SBA District Director Robert Steiner will be on hand with Rep. Casten to answer questions. Please share this information with your membership as you think appropriate.
Rep. Casten’s office is strongly encouraging small businesses, nonprofits, faith-based organizations and other eligible entities to prepare all appropriate documentation so that they are ready to apply for the Paycheck Protection Program as soon as it reopens. Funds are expected to again go quickly, and interested applicants should contact their lender to ensure they are prepared to take full advantage of the opportunity.
DuPage Business Resources
Choose DuPage is committed to assisting and connecting businesses in DuPage County with the resources they need during this time. Follow the link for a list of business and industry resources related to COVID-19.
For more information, questions, or if your business is in need of assistance and you are not sure where to turn, please contact Greg Bedalov at firstname.lastname@example.org or Lisa Miceli at email@example.com.
DuPage County has announced May 12 that it will launch Reinvest DuPage, a grant relief program developed in partnership with Choose DuPage for small businesses and independent contractors. DuPage County will fund this initial program with $7 million in monies received under the federal CARES Act. These grants can be used for employee retention payroll, utilities, and rent. The online-only application portal is expected to launch at 9 a.m. May 18.
Criteria to apply for the grant include:
Small businesses with fewer than 15 full-time employees and less than $1.5 million in annual revenue may apply for a grant up to $15,000.
Independent contractors with more than 50% of their annual income coming from 1099 work, and an annual income of less than $100,000 may apply for a grant up to $7,500.
Businesses and contractors that have received other funds intended for this purpose (i.e. PPP, EIDL) are not eligible.
Choose DuPage will hold a webinar at 11 a.m. on May 15 to discuss the program with DuPage businesses. Registration for the webinar can be found here.
The webinar and resource page: https://www.choosedupage.com/dupage-county-launches-reinvest-dupage/
Community Memorial Foundation Response Fund -
Organizations who have received a grant from Community Memorial Foundation within the past three years are eligible to apply. The COVID-19 Urgent Response Fund does not affect an organization’s eligibility to apply to our regular spring and fall grant cycles or our 25th anniversary grant opportunity.
Areas of Focus
The COVID-19 Urgent Response Fund is focused on the following areas:
- Telehealth tools needed to build an organization’s capacity to provide essential primary healthcare and behavioral healthcare services
- Filling health and human services gaps in serving the disproportionately affected by specifically addressing: food insecurity, emergency shelter, basic necessities
Organizations may request up to $25,000 from the COVID-19 Urgent Response Fund.
An eligible organization may submit a COVID-19 Urgent Response Fund Proposal by Thursday, April 9th at 9 AM by using this link. The Foundation will make funding decisions by April 17th at the latest, and will notify selected organizations.
How can I support Hinsdale restaurants and businesses?
Residents are encouraged to connect with individual locations for further information on their services and hours during this time, and strongly encourage supporting local Hinsdale businesses when possible.
The following are valuable resources for information on local restaurant and business services and hours during this time:
For the full news release from Governor Pritzker on bar and restaurant closures click here.
Childcare for Essential Workers During COVID-19 Pandemic
The state has now added an online search function for essential workers seeking child care during the COVID-19 crisis: https://emergencycare.inccrra.org/. This is in addition to the 888-228-1146 hotline.
Services for Seniors
Seniors needing services during this time are directed to the following resources.
AgeOptions : Individuals 60+ or those caring for someone 60+ can contact them for assistance, information on resources, and referrals.
- View their flyer for specifics on their services during the COVID-19 pandemic.
- Click here for their web page specific to COVID-19 which includes ways to stay engaged during this time.
The Community House in Hinsdale is also a valuable source for resources. View their website or call them at (630)323-7500 for more information.
I'm experiencing fear and anxiety about COVID-19, where can I seek help?
If you or someone you know (adults or children) are experiencing fear and anxiety about coronavirus, review the CDC's information about Mental Health and Coping with COVID-19.
Additional Information and Resources for COVID-19
Additional information and resources on Coronavirus (COVID-19) are available at the following links:
- State of Illinois COVID-19 Website
- Centers for Disease Control and Prevention
- Illinois Department of Public Health
- DuPage County Health Department
- Governor's Office Daily COVID-19 Q&A - Click Here
- Chicago Department of Public Health
- DuPage County Mayor's Conference Call (3/4/2020)-COVID-19 Update
- DuPage County Health Department Recommendations for Large Scale Community Events (250+ people).
- CDC Video- COVID-19: What Older Adults Need to Know
- DuPage County Resident Tests Positive for Coronavirus Disease
See the attached news release for more information from the DuPage County Health Department.
Subscribe to DuPage County Health Department's Weekly Newsletter
Subscribe to DuPage County Health Department's COVID-19 Weekly Newsletter to receive important updates and information for DuPage County.