SCRA Protection Directory
SCRA protects more than just your interest rates. Find contact information and step-by-step guides for every SCRA protection—from eviction defense to lease termination to court stays.
Who Do You Need to Contact?
Select a category to find specific contact information and filing instructions.
Lenders & Banks
Credit cards, auto loans, mortgages, and personal loans. Get the 6% interest rate cap and retroactive refunds.
Landlords & Property Managers
Terminate leases early or get eviction protection. Major property management companies and how to notify them.
Service Contracts
Cancel gym memberships, cell phone contracts, internet service, and storage units without penalty.
Vehicle Leases
Terminate car leases early for PCS or deployment. Contact info for major auto manufacturers and lease companies.
Insurance Companies
Protect life insurance from lapse. Reinstate policies and get premium adjustments during deployment.
Courts & Legal
Request stays of civil proceedings, prevent default judgments, and understand your legal protections.
What SCRA Covers
6% Interest Rate Cap
Reduce interest rates to 6% on pre-service debts including credit cards, auto loans, mortgages, and student loans.
Lease Termination
Terminate residential leases early without penalty when receiving PCS orders, deployment, or entering active duty.
Vehicle Lease Termination
End car leases early for military service without early termination fees.
Foreclosure Protection
Prevent foreclosure without court order during service and for 12 months after.
Eviction Protection
Landlords cannot evict without court approval for rentals below the federal threshold.
Court Stay (Postponement)
Postpone civil court proceedings when military service prevents appearance.
Insurance Protection
Prevent life insurance policies from lapsing due to nonpayment during service.
Contract Cancellation
Cancel cell phone, gym, and other service contracts without early termination fees.
Let Us Handle Everything
Filing SCRA claims with multiple entities is time-consuming. For the $59 filing fee, we'll contact all your lenders, landlords, and service providers on your behalf.
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