Sign up for the Benefits Newsletter

Related Benefits Articles

  • Man signing paperwork
    SCRA Frequently Asked Questions
    Military.com
    Frequently asked questions and answers on some rights and benefits available under the Servicemember's Civil Relief Act (SCRA).
  • Insurance Contract
    SCRA Insurance Protection
    Military.com
    Military members who risk losing life or health insurance due to mobilization or deployment are protected by law
  • Interest rate
    SCRA Interest Rate Limits
    Military.com
    The Servicemember's Civil Relief Act limits the amount of interest that may be collected on debts of persons in military service
  • Houses made of cash. Getty Images
    SCRA Rental and Eviction Protection
    Military.com
    The Servicemember's Civil Relief Act (SCRA) protects your dependents from being evicted while you are serving your country.
  • Blue house on top of stack of money (Photo: Flickr/Scott Lewis)
    SCRA Lease Termination Provisions
    Military.com
    The SCRA makes provisions to allow a servicemember to terminate certain lease agreements.

Most Popular Benefits Articles

SCRA Installment Contract Protection

Contract
Contract

If you have a mortgage or installment contract that began before you went on active duty you are protected under the Servicemembers Civil Relief Act.

Installment Contracts

If your military service "materially affects" your ability to make the payments on time the military service the seller cannot repossess the item, take you to court, or make any bad credit reports on your contract without a court order. You must have paid a deposit or at least one payment before entering active duty.

Mortgages

The SCRA protects you against foreclosure on your mortgage as long as the following facts are established:

  1. The mortgage is on either real or personal property;
  2. The mortgage began before entry on active duty;
  3. The property was owned by you or a family member prior to your entry on active duty;
  4. The property is still owned by the you or your family member when you request relief;
  5. Your ability to pay the mortgage is materially affected by your military service.

If all these requirements are met, the lender must get a court order before foreclosing on your property.

Contact your local legal office for more information.

Related Topics

SCRA

Military News App by Military.com

Download the new Military.com News App for Android on Google Play or for Apple devices on iTunes!

Featured VA Loan Articles