How Long Do SCRA Benefits Last?

The length of SCRA benefits can be different under certain circumstances. Variables such as the type of protection, type of service, and length of service can all affect the application of benefits. As a result, in order to understand how long SCRA benefits last, it is important to understand the provisions of the servicemembers civil relief act, and the benefits that they provide.

The Servicemembers Civil Relief Act (SCRA)

The servicemembers civil relief act has six main benefits and protections outlined by the Department of Justice, and is the successor of the soldiers and sailors civil relief act.

The six percent interest rate cap

During an active duty service member’s period of service and one year after, the amount of interest to be charged on certain financial obligations incurred prior to military service may not exceed six percent per year.

Protections against default judgments

If the defendant in a civil judicial proceedings is an active duty service member, a default judgment may not be entered against them until an attorney has been appointed to represent the interests of the service member.

Non-judicial foreclosures

During a service member’s period of active duty service and one year after, a creditor cannot complete non-judicial foreclosure proceedings. The creditor must get a court order to foreclose.

Installment contracts and repossessions

If a service member has made at least one installment payment or placed a deposit on a vehicle, it cannot be repossessed during the borrower’s period of military service.

Residential lease terminations

This benefit is available to individuals in active duty military service that have received permanent change of station order or deployment orders for a period of at least 90 days. As a result, this benefit is only available during a service member’s period of active duty.

Enforcement of storage liens

During an individual’s period of active duty military service and 90 days thereafter, a person holding a lien on their property may not enforce it.

Active Duty Service Members

Active duty refers to full-time members of the US military. These individuals can be deployed at any time. Aside from active duty, there are also reserve members, and members of the National Guard. The National Guard can also be covered by the SCRA, depending on who calls upon them and the length of the deployment.

Use the SCRACVS to verify military service

Landlords, property managers and motor vehicle lessors may not always know which of their clients are in the military and which are not. Regardless, military members are guaranteed SCRA protections. Therefore, it is imperative to check military status before beginning any legal action against your renter. The Servicemembers Civil Relief Act Centralized Verification service is the best place to verify military status.

Many lenders, banks, landlords, property managers and motor vehicle lessors use the SCRACVS to check the military status of their renters and customers. It is quick, easy, and cost effective — we even offer batch discounts for large-volume searches. Results are usually delivered within 24 hours. SCRACVS can also provide live customer support to answer your questions.

Stay safe and avoid fines and penalties for violating the SCRA by using the SCRACVS for all your military verifications.

Attorney Roy Kaufmann serves as the Director of the Servicemembers Civil Relief Act Centralized Verification Service, located in Washington, D.C. As a recognized authority on the Servicemembers Civil Relief Act, Mr. Kaufmann has published hundreds of articles and hosted many webinars. His teachings help law firms and businesses to remain compliant with the SCRA rules and regulations so as to avoid costly fines.