How to File SCRA Claims | Step-by-Step Guide

The SCRA Claims Process

Filing SCRA claims involves the same basic process for most protections: written request + military orders + follow-up. Here's how to do it yourself—or let us handle it for the $59 filing fee.

What You'll Need

Copy of your military orders (activation, PCS, or deployment)
Account numbers for each creditor/landlord/provider
Current statements showing interest rates or contract terms
Your service start date and expected end date
A way to send certified mail (post office or online)

Step-by-Step Process

Identify All Qualifying Debts & Contracts

Make a list of everything that qualifies:

Credit cards, auto loans, mortgages, student loans with rates above 6%
Residential and vehicle leases
Cell phone, internet, gym, security contracts
Professional liability insurance

Write Your Request Letters

Each letter should include:

Your name, address, and account number
A clear statement of what you're requesting (rate reduction, termination, etc.)
Reference to the specific SCRA section (e.g., "50 U.S.C. § 3937")
A statement that you're attaching military orders

Attach Your Military Orders

Include a copy (not the original) of your orders showing:

Your name and service branch
Activation/deployment dates
Duration of orders (especially for lease terminations)

Send Via Certified Mail

Always use certified mail with return receipt requested. This creates a legal paper trail proving:

When you sent your request
That the creditor received it
The date they received it (important for termination timing)

Follow Up & Track Responses

After sending:

Wait 30 days for initial response
Verify rate reductions on your next statement
Document all communications
Escalate if the creditor doesn't comply

Skip All These Steps

We handle everything—identifying accounts, writing letters, certified mail, and follow-up—for the $59 filing fee.

Get Started — $59 Filing Fee

Expected Timelines

Rate reductions:

30-60 days to process

Retroactive refunds:

60-90 days after approval

Lease termination:

30 days after next rent due date

Contract cancellation:

30 days after notice received

Insurance suspension:

Immediate upon approval

DIY vs. Using SCRA Saver

Task	DIY	SCRA Saver
Identify all protections	Research each one	Automatic analysis
Write request letters	Write each yourself	Generated for you
Send certified mail	Trip to post office	We send for you
Track responses	Manual tracking	Dashboard + alerts
Handle denials	Figure it out	Escalation support
Time required	10-20+ hours	~10 minutes
Cost	$15-30 (postage)	$59 filing fee (all inclusive)

The Real Difference

DIY is absolutely possible—we tell you exactly how in our guides. But most people have 5-15 creditors/contracts. That's 5-15 letters, 5-15 trips to the post office, and 5-15 things to track. We handle all of it for less than the postage would cost.

Ready to Claim Your Benefits?

Calculate your estimated savings, then let us handle the paperwork.

Calculate My Savings

$59 filing fee • All 21+ protections • Certified mail included