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The Servicemembers Civil Relief ACT

The Servicemembers Civil Relief Act of 2003 (SCRA), formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940 (SSCRA), is a federal law that allows deployed military members, including mobilized National Guard and Reserves, to suspend or postpone some civil obligations so they can devote their full attention to military duties. The protection begins on the date of entering active duty and generally terminates within 30 to 90 days after the date of discharge from active duty.

The SCRA covers issues like rental agreements, security deposits, prepaid rent, eviction, installment contracts, credit card interest rates, mortgage interest rates, mortgage foreclosure, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments.

To take advantage of your rights under this law, you must send a letter to the lender, lessor, or other party in question, asking for relief under the act. You must include a copy of your current military orders. Some private entities are not aware of this federal law, so it's important for military families to understand it.

At Randolph-Brooks, we work with our individual military members concerning their personal situation as it pertains to the SCRA.