Service Members Civil Relief Act

How Does the Service Members Civil Relief Act Affect Military Members? 


The SCRA, or Servicemembers Civil Relief Act, is a United States federal law originally passed in 1918 under a different name. This statute protects the entirety of the United States armed services from lawsuits in civil matters while on active duty and up to a year afterward. Through a wide variety of regulations, the federal government is able to protect millions of military members from certain obligations that would disrupt their military service.

Since its passage almost a century ago, the act has remained in place virtually uninterrupted. The idea of protecting our service members from financial obligations traces all the way back to the Civil War. Since then, Congress has made financial protection a priority, amending the SCRA 12 times to adapt to a changing economy. With no expiration date, the SCRA is one of the most widely supported federal measures, and it will likely remain in place protecting our service members for the foreseeable future. When you have such a powerful federal law on your side, it is important to understand how to utilize the protections for you and your loved ones most effectively. Two ways the SCRA protects our service members are below.

  • The SCRA prevents the termination of your lease while on active duty, or up to a year following the conclusion of your service. This protection dates back to the Civil War era when military pay was rarely enough to cover rent or mortgage payments. Although military compensation has increased, service members still face financial pressure while on active duty. The SCRA protects you and your loved ones from eviction.
  • The act allows you to terminate a housing lease without repercussions if you are deployed to a new location. Leasing contracts frequently lock you in for a year or more, making it difficult for you if you are redeployed to a new location. This protection allows you to break your contract without suffering financial penalties.

Contact a Killeen Military Bankruptcy Attorney Today

At Erin Baker Shank, P.C., military members are the most valued clients. Erin fights passionately to protect U.S. service members at home while they are protecting our country abroad. Through years of practicing military bankruptcy law, Erin has honed her legal craft and consistently gotten results for our military clients. Contact Erin Shank today for a free consultation with a knowledgeable legal representative.

Listen to Erin Answer Your Questions!

  • What Makes You Uniquely Qualified as a Bankruptcy Attorney?
  • What is Chapter 10 Bankruptcy?
  • What to Do if Your Military Star Card Goes to Collections
  • What is a mortgage modification?

What Our Clients Say

Real Stories from People We've Helped Through Financial Hardship

At Erin Baker Shank, P.C., your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “Recommend this firm 100%”
    I'm very grateful to this firm. I had doubts of being able to get a fresh start. They assured me that there is a way. It may have took a little longer due to my situation but they prevailed.
    Ed B.
    “Thank you so much! We are extremely grateful for everything you’ve done for us.”
    Ms. Shank and Sharlyn were absolutely fantastic! Very helpful, and knowledgeable and answered any questions or concerns we had. They truly pulled off a miracle. If you’re thinking of filing for bankruptcy, Ms. Shank is the woman for the job.
    Monique K.
    “To anyone, military or civilian, who are needing a quality Bankruptcy attorney look no further than Erin B. Shank!! You'll be glad you did, I know I am!!”
    I shopped around for a Bankruptcy attorney who would listen to my needs. As I am a retired military member of the U.S. Army, the staff at Erin B Shanks Office were friendly, personable, and knowledgeable. From beginning to end, the staff at Erin B Shank makes the process painless and easy. They answered all my questions and helped me when I did encounter a problem.
    Aaron C.
    “I strongly recommend Erin and her staff!”
    Erin is really good at what she does. You will be very pleased if you select her to represent you. Her staff is very professional. The best thing about them all is that they truly cared about me.
    Don K.
  • AVVO 9.1
  • AVVO client choice 2014
  • AVVO 9.6 bankruptcy
  • The College of the state bar of Texas
  • AVVO Reviews
  • Client Champion
  • AV Preeminent
  • Greater Waco Chamber

Schedule Your Virtual Appointment

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to receive text messages from Erin Baker Shank, P.C. at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy