SCRA benefits by topicProducts, contracts & disputes
Major SCRA protections, in plain English.
Start with the product or problem in front of you. We’ll show what it may do, what to gather, and the next sensible action.
Showing 12 of 12 benefit areas
Credit cards & borrowing
Explore possible interest relief on credit cards and loans opened before military service.
- Possible 6% cap on eligible debt opened before service
- Covered interest above the cap is forgiven, not deferred
- Protection from negative treatment solely for using certain SCRA rights
Mortgages & homeownership
See interest and foreclosure protections for mortgages and home-equity accounts opened before service.
- Possible 6% cap during service plus one year for qualifying mortgages and similar home loans
- Court order generally required for a covered foreclosure or seizure
- Possible court pause or payment adjustment when service makes payment difficult
Vehicles
Understand auto-loan interest relief, protection before repossession, and when a vehicle lease may be ended early.
- Possible interest relief on eligible auto debt opened before service
- Court-order protection before certain repossessions
- Ending a qualifying vehicle lease without an early-termination charge
Housing & leases
Review protections for ending a lease, refunding advance rent, eviction, and family members.
- Ending a qualifying home or property lease
- Refund of covered advance rent after termination
- Court-order protection for certain residential evictions
Phone, internet & services
Check whether qualifying moves can end phone, internet, TV, gym, or home-security contracts without an early fee.
- Qualifying contract termination without an early-termination charge
- Refund of covered advance payments
- Equipment-return and service-number protections in specific cases
Courts & collections
Find safeguards for court decisions entered without you, case pauses, wage garnishment, and legal deadlines—with urgent help where needed.
- Protection before some court decisions are entered without you
- Possible pause in a civil or administrative case
- Possible pause in judgment collection or wage garnishment
Taxes, residence & voting
Learn how qualifying service can affect tax collection, legal residence, personal property taxes, voting residence, and a spouse’s choices.
- Possible delay in income-tax collection
- Safeguards before property is sold for unpaid taxes
- Tax-residence and military-pay protections
Insurance & professional coverage
Review protections for life insurance used to secure a debt, individual life coverage, returning health coverage, and professional insurance.
- Protection for some life insurance used to secure a debt
- Help keeping certain individual life insurance active
- Restoring qualifying health insurance after service
Professional licenses & work
See when an out-of-state professional license may be accepted after a military move and how some business debts may be treated.
- Using an out-of-state professional license after a military move
- What to include and when to expect a response
- Protection for personal assets from certain business debts
Storage, towing & property sales
Find safeguards before property is sold to collect certain storage, towing, repair, or cleaning debts.
- Court order generally needed before covered property can be sold
- Possible court pause or payment adjustment when service makes payment harder
- What to save and where to get help if a sale is threatened
Family, dependents & survivors
Understand where family members may have related protections—and where the facts must be checked benefit by benefit.
- Deployment-related child-custody safeguards
- Possible court protection for family members or others responsible for the same debt
- Court help for some dependents when military service makes it harder to pay or comply
More SCRA protections
Find less-common protections involving SCRA waivers, service with an allied force, missing servicemembers, and public land.
- Rules for signing away an SCRA protection
- Possible protection for citizens serving with certain allied forces
- Possible extension of a missing servicemember’s power of attorney
Federal protections, one by one
Explore every protection.
Choose any item to open its topic guide, where you can see what it may cover, when it may apply, what to do next, and the official source.
Credit cards, loans, and financed property
Interest relief for credit cards and other pre-service debt
Credit cards, loans, and financed property
Protection from unfair treatment for using SCRA rights
Credit cards, loans, and financed property
Repossession protection for financed or leased property
Credit cards, loans, and financed property
Foreclosure protection for a home or other mortgaged property
Credit cards, loans, and financed property
Protecting the member's share of personal property
Credit cards, loans, and financed property
Asking a court to pause certain pre-service debts or taxes
Credit cards, loans, and financed property
Contract penalties while a court case is paused
Housing and leases
Ending a home, business, or other property lease
Housing and leases
Protection from certain residential evictions
Housing and leases
Court help for a servicemember's dependent
Vehicles and everyday services
Ending a vehicle lease after qualifying orders
Vehicles and everyday services
Ending phone, internet, gym, or security contracts
Courts, collections, and custody
Protection before a court enters a decision without you
Courts, collections, and custody
Asking to pause a civil or administrative case
Courts, collections, and custody
Pausing judgment collection or wage garnishment
Courts, collections, and custody
More time for certain legal deadlines and reclaiming property
Courts, collections, and custody
Child custody during deployment
Courts, collections, and custody
Court protection for someone else responsible for the same debt
Taxes, residence, and voting
Protection when property taxes are unpaid
Taxes, residence, and voting
Delaying collection of certain income taxes
Taxes, residence, and voting
Keeping a tax home and avoiding some taxes after military moves
Taxes, residence, and voting
Keeping a voting residence during military moves
Taxes, residence, and voting
A military spouse's choice of legal residence
Insurance, licenses, and business
Protection for life insurance used to secure a debt
Insurance, licenses, and business
Help keeping certain individual life insurance active
Insurance, licenses, and business
Restoring health insurance after service
Insurance, licenses, and business
Pausing and restarting professional insurance
Insurance, licenses, and business
Using a professional license after a military move
Insurance, licenses, and business
Protecting personal assets from certain business debts
Storage, property, and SCRA waivers
Protection before property is sold for a storage, towing, or repair debt
Storage, property, and SCRA waivers
Rules for signing away an SCRA protection
Storage, property, and SCRA waivers
Getting help for a possible SCRA violation
The refund estimate is not built for court matters or time-sensitive threats. If someone is trying to foreclose, evict, repossess, garnish wages, or sell property—or you have a court deadline—start with DOJ help for servicemembers.
3 less-common protections
More SCRA protections
These protections apply in narrower situations but may still matter to you.
A qualifying power of attorney may be automatically extended while a servicemember is officially listed as missing.
Service with certain allied forcesA U.S. citizen serving with the armed forces of certain allied nations may receive SCRA protections when the law's requirements are met.
Public land and mineral rightsLess-common SCRA protections may apply to public-land entries, mining claims, and certain mineral permits or leases.
Different matter?
Urgent problems stay visible.
Foreclosure, eviction, repossession, court deadlines, and threatened property sales lead to a clear “Get help now” path. They are never treated like a routine online form.