Servicemembers Civil Relief Act
When members of our Armed Forces are on active duty, they’re putting their lives on the line to protect our freedoms. The last things they need to worry about are their families, their finances, their homes, and their cars.
Thanks to the Servicemembers Civil Relief Act, active duty servicemembers are afforded some financial protections while they’re on active duty.
Who is Protected Under the SCRA?
According to the Servicemembers Civil Relief Act, all servicemembers on active duty are entitled to the Act’s protections. This includes National Guardsmen and Reservists who have been called to active service for more than 30 consecutive days. It also covers commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration. The SCRA protections kick in on the date the servicemember enters active duty, and are valid until 30 to 90 days after the servicemember has been discharged from active duty.
Learn more about the financial protections afforded servicemembers under the SCRA.
Your Ability to Pay: What “Materially Affected” Means – Many provisions of the FCRA require proof that your service impacts your ability to pay your debts. Learn what this means.
Lowering High-Interest Loans to 6% – You can have your interest rates lowered while you’re on active duty. Learn how.
Car Loans, Installment Contracts, and Mortgages – The SCRA protects your real and personal property while you’re on active duty. Learn the circumstanced under which you’re covered.
Vehicle Repossession – Your lender can’t repossess your car for nonpayment. Learn how to fight back.
Storage Units – A storage facility can’t lock you out of your unit and take your property. Learn more.
Vehicle Leasing and Other Leasing – If you’re on active duty or have a permanent change of station outside of the U.S., you can terminate a lease after six months.
Default Judgments – The SCRA protects you from default judgments in civil actions. Learn about your right to ask a court to throw out a debt collection judgment.
Restrictions to Pay Garnishment – A debt collector can’t automatically garnish your pay. Learn why.
Credit Report Repercussions – Creditors and debt collectors can’t ding your credit report for using the protections of the SCRA. Learn more.
Sample Letter to Request Reduction to 6% Interest – Adapt this letter to send to creditors to get your interest rate reduced to six percent.
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