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Servicemembers Civil Relief Act (SCRA)

Know Your Rights Under the Servicemembers Civil Relief Act

On 19 December 2003, President Bush signed into law the “Servicemembers Civil Relief Act” (SCRA). This law is a complete revision of the Soldiers’ and Sailors’ Civil Relief Act (SSCRA) which provided a number of significant protections to servicemembers.

While protecting the United States during the war on terrorism, some servicemen and servicewomen may face difficulty in meeting certain financial obligations at home, such as rent or mortgage payments, if they are activated for military duty. HUD has taken steps to ensure that service members protecting our country do not suffer the added burden of worrying about the loss of a home.

Military personnel should learn about the SCRA and the protections and benefits it provides for themselves and their families. The SCRA can provide many forms of relief to military members. Below are some of the most common forms of relief.


  • Mortgage Relief
  • Termination of Leases
  • Protection From Eviction.
  • 6-Percent Cap on Interest Rates
  • Stay of Proceedings
  • Reopening Default Judgments

The SCRA actually provides many more protections than those listed above, and the Supreme Court has ruled the SCRA must be read with “an eye friendly to those who dropped their affairs to answer their country’s call.” Military legal assistance attorneys are available to provide guidance on the SCRA.




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