[st_row width=”full” background=”image” image=”https://hutchinsonslaw.com/wp-content/uploads/2015/11/I-am-ptsd-how-to-treat-ptsd-how-to-manage-ptsd-how-to-cure-ptsd-how-can-I-manage-my-ptsd-do-i-know-if-i-have-ptsd.gif” img_repeat=”full” div_padding_left=”10″ div_padding_bottom=”20″ div_padding_right=”10″ id_wrapper=”elm_5b7e1b1f0d491″ ][st_column span=”span3″ id_wrapper=”elm_5b7e1b1f0c1c6″ ][st_spacer height=”5″ id_wrapper=”elm_5b7e1b1f0bcd9″ ][/st_spacer][st_text el_title=”Logo copy” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f0c16b” ]{site_logo}[/st_text][/st_column][st_column span=”span9″ id_wrapper=”elm_5b7e1b1f0d43f” ][st_spacer height=”15″ id_wrapper=”elm_5b7e1b1f0c799″ ][/st_spacer][st_navigation el_title=”NavigationBar” menu_location=”localsite” div_margin_bottom=”5″ style=”justified” bg_color=”#112936″ bg_opacity_slider=”” bg_dropdown_opacity_slider=”” text_active_color=”#ffffff” bg_active_color=”#01aef0″ border_radius=”4″ font=”custom” font_face_type=”google fonts” font_face_value=”Lato” sticky=”yes” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f0cdf5″ ][/st_navigation][st_heading 1=”#_EDITTED” 2=”#_EDITTED” el_title=”Contact Us copy” text_align=”center” normal_font_color=”#ffffff” normal_font_size=”18″ wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” div_margin_left=”” div_margin_right=”” id_wrapper=”elm_5b7e1b1f0d3d6″ ]{social icons} – {phone tag} – {email tag}[/st_heading][/st_column][/st_row][st_row width=”full” background=”solid” solid_color_value=”#00304c” div_padding_top=”10″ div_padding_left=”10″ div_padding_bottom=”10″ div_padding_right=”10″ id_wrapper=”elm_5b7e1b1f0e6f9″ ][st_column span=”span12″ id_wrapper=”elm_5b7e1b1f0e6a9″ ][st_heading el_title=”Military Legal Resources” heading_icon_icon=”fa fa-flag” heading_icon_size=”50″ text_align=”left” font=”custom” font_face_type=”google fonts” font_face_value=”Lato” font_size_value_=”35″ color=”#ffffff” wrapper_padding_top=”5″ wrapper_padding_left=”0″ wrapper_padding_bottom=”5″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” div_margin_top=”5″ div_margin_left=”” div_margin_bottom=”5″ div_margin_right=”” id_wrapper=”elm_5b7e1b1f0e18b” ]Military Legal Resources[/st_heading][st_text el_title=”You should contact your nearest Armed Forces Legal” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f0e64e” ]You should contact your nearest Armed Forces Legal Assistance Program office to see if the SCRA applies. Dependents of servicemembers can also contact or visit local military legal assistance offices where they reside.[/st_text][/st_column][/st_row][st_row width=”full” background=”solid” solid_color_value=”#d32c31″ child_of=”none” div_padding_top=”10″ div_padding_left=”10″ div_padding_bottom=”10″ div_padding_right=”10″ id_wrapper=”elm_5b7e1b1f10028″ ][st_column span=”span9″ id_wrapper=”elm_5b7e1b1f0f4e4″ ][st_heading el_title=”Let Us Be A Resource Site For You!” text_align=”left” font=”custom” font_face_type=”google fonts” font_face_value=”Lato” font_size_value_=”35″ color=”#ffffff” wrapper_padding_top=”5″ wrapper_padding_left=”0″ wrapper_padding_bottom=”5″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” div_margin_top=”5″ div_margin_left=”” div_margin_bottom=”5″ div_margin_right=”” id_wrapper=”elm_5b7e1b1f0f47c” ]Let Us Be A Resource Site For You![/st_heading][/st_column][st_column span=”span3″ id_wrapper=”elm_5b7e1b1f0ffd8″ ][st_button el_title=”Contact Us” button_text=”Contact Us” button_type_url=”/contactus” button_alignment=”center” button_margin_top=”17″ button_size=”btn-lg” button_color=”btn-blue” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f0ff76″ ][/st_button][/st_column][/st_row][st_row width=”full” child_of=”none” id_wrapper=”elm_5b7e1b1f12fd3″ ][st_column span=”span9″ id_wrapper=”elm_5b7e1b1f118e3″ ][st_spacer id_wrapper=”elm_5b7e1b1f10afa” ][/st_spacer][st_heading 1=”#_EDITTED” 2=”#_EDITTED” el_title=”So What Is the (SCRA)?” heading_icon_icon=”fa fa-question-circle” heading_icon_size=”50″ heading_icon_color=”#333333″ text_align=”left” font=”custom” font_face_type=”google fonts” font_face_value=”Lato” font_size_value_=”35″ color=”#333333″ wrapper_padding_top=”5″ wrapper_padding_left=”0″ wrapper_padding_bottom=”5″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” div_margin_top=”5″ div_margin_left=”” div_margin_bottom=”5″ div_margin_right=”” id_wrapper=”elm_5b7e1b1f110bf” ]So What Is the (SCRA)?[/st_heading][st_text el_title=”The Servicemembers Civil Relief Act (SCRA)” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f1158e” ]The Servicemembers Civil Relief Act (SCRA), formerly known as the Soldiers’ and Sailors’ Civil Relief Act (SSCRA), is a federal law that provides protections for military members as they enter active duty. It covers issues such as 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.
You should contact your nearest Armed Forces Legal Assistance Program office to see if the SCRA applies. Dependents of servicemembers can also contact or visit local military legal assistance offices where they reside. Please consult the military legal assistance office locatorfor each branch of the armed forces.
In order to have your SCRA case reviewed by the Department of Justice (DOJ), you must first seek the assistance of your military legal assistance office. If that office cannot resolve the complaint, it may choose to forward the complaint to the DOJ. The DOJ then will review the matter to determine whether DOJ action is appropriate.
A few examples of such obligations you may be protected against are:
- Outstanding credit card debt
- Mortgage payments
- Pending trials
- Taxes
- Terminations of lease.
In addition the new law:
- Expands current law that protects servicemembers and their families from eviction from housing while on active duty due to nonpayment of rents that are $3,329.84 per month or less for 2015, this amount changes every year.
- Provides a servicemember who receives permanent change of station orders or who is deployed to a new location for 90 days or more the right to terminate a housing lease.
- Clarifies and restates existing law that limits to 6 percent interest on credit obligations incurred prior to military service or activation, including credit card debt, for active duty servicemembers. The SCRA unambiguously states that no interest above 6 percent can accrue for credit obligations (that were established prior to active duty or activation) while on active duty, nor can that excess interest become due once the servicemember leaves active duty – instead that portion above 6 percent is permanently forgiven. Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period.Note: This law only covers debt incurred prior to military service.
- Allows you to terminate a cell phone contract if you relocate for at least 90 days to a location that does not support your cell phone service.
- Allows you to terminate a vehicle lease you signed prior to joining the armed forces if you enter military service under a call to duty on orders of 180 days or more. You may also terminate a vehicle lease if you receive PCS orders to an OCONUS location or deploy OCONUS for at least 180 days.
SCRA Eligibility
The SCRA covers all Active Duty servicemembers, Reservists and the members of the National Guard while on active duty. 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.[/st_text][st_spacer id_wrapper=”elm_5b7e1b1f11891″ ][/st_spacer][/st_column][st_column span=”span3″ id_wrapper=”elm_5b7e1b1f12f7f” ][st_spacer height=”120″ id_wrapper=”elm_5b7e1b1f11f00″ ][/st_spacer][st_flip_box el_title=”(SCRA)” front_title=”(SCRA)” front_desc=”” back_title=”” back_desc=”” box_icon_color=”#ffffff” box_button_text=”Click here” box_button_type_url=”http://uscode.house.gov/view.xhtml?path=/prelim@title50/chapter50&edition=prelim” box_button_size=”btn-sm” box_button_color=”btn-danger” div_margin_bottom=”25″ text_color=”#ffffff” border_size=”6″ border_color=”#035381″ background_color=”#00304c” border_radius_topleft=”15″ border_radius_topright=”15″ border_radius_bottomleft=”15″ border_radius_bottomright=”15″ wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f12783″ ][/st_flip_box][st_flip_box el_title=”Community” front_title=”Community” front_desc=”” back_title=”” back_desc=”” box_icon_color=”#ffffff” box_button_text=”Click here” box_button_type_url=”https://hutchinsonslaw.com/community-service-members-concerns/” box_button_size=”btn-sm” box_button_color=”btn-danger” box_button_icon=”fa fa-group” div_margin_bottom=”25″ text_color=”#ffffff” border_size=”6″ border_color=”#c73530″ background_color=”#e83a35″ border_radius_topleft=”15″ border_radius_topright=”15″ border_radius_bottomleft=”15″ border_radius_bottomright=”15″ wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f12f09″ ][/st_flip_box][/st_column][/st_row][st_row width=”full” background=”solid” solid_color_value=”#c5191c” child_of=”none” div_padding_top=”1″ div_padding_left=”10″ div_padding_bottom=”1″ div_padding_right=”10″ id_wrapper=”elm_5b7e1b1f13726″ ][st_column span=”span12″ id_wrapper=”elm_5b7e1b1f136d5″ ][/st_column][/st_row][st_row width=”full” background=”solid” solid_color_value=”#00304c” div_padding_top=”10″ div_padding_left=”10″ div_padding_right=”10″ id_wrapper=”elm_5b7e1b1f14489″ ][st_column span=”span12″ id_wrapper=”elm_5b7e1b1f1443a” ][st_text el_title=”Logo” appearing_animation=”fade_in” wrapper_padding_top=”0″ wrapper_padding_left=”0″ wrapper_padding_bottom=”0″ wrapper_padding_right=”0″ wrapper_bg_opacity_slider=”” id_wrapper=”elm_5b7e1b1f143da” ]
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