Servicemembers' Civil Relief Act

SCRA and new Private Right of Action

The Veterans Benefits Act of 2010 (PL 111-275, 124 Stat 2864) added an important new provision for service members who have been harmed by a violation of the federal Service Members Civil Relief Act.

Under Title VIII Civil Liability §802, the law provides:

(a) In General - any person aggrieved by a violation of this Act may in a civil action --

When Does SCRA Apply? Reservists, Delayed Enlistment Program, and Post-Service

SCRA coverage for servicemembers outside of the typical active duty classification.

Protecting Your Finances -- Info from the CFPB

Servicemembers, veterans, and their families …

Are an attractive target for both good and bad lenders:

  • Many lenders know the UCMJ requires you to maintain good finances.
  • You are easy to find, so lenders are confident they can collect debts you owe.
  • Your military pay represents a steady income that could be garnished.
  • Military families often start young, leading to big money management decisions by first-time decision makers.

Face unique risks:

  • Deployments, change of duty stations, and emergencies lead to unplanned and unique financial difficulties without adequate resources to resolve them.
  • Your loyalty to your service leads marketers to tie their pitches to the military, a strategy called “affinity marketing.”
  • Frequent relocation can mean unforeseen expenses and a lack of familiarity with the local environment.

The Consumer Finance Protection Bureau offers detailed, user-friendly consumer information for miltiary families on how to protect their finances and how to plan for the future.

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Interactive Form - Waiver of SCRA


You and your family have certain legal protections when you are called into active duty military service. These laws apply to members of the Armed Forces, Reserves, National Guard and other uniformed services.

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SCRA Claims: How to Get Attorney Help

Learn more about the provision in the Veterans Benefits Act of 2010 that should make it easier for you to find a private attorney in a SCRA claim.

Interactive Forms Directory

Welcome to our easy-to-use interactive forms page. When you follow one of the links below, you will be sent to another secure website. There you will answer a series of interview questions.  At the end of the interview, you can print out your form.

Legal Needs Assesment Tools

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The American Veterans and Servicemembers Survival Guide

This detailed 600 page Veterans and Servicemembers Survival Guide was originally developed by Veterans for America and is now made available free of charge by the National Veterans Legal Services Program on their website. It was published in 2009 so more recent changes will not be included.