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What is the Soldiers' and Sailors' Civil Relief Act of 1940?  
The Soldiers' and Sailors' Civil Relief Act (SSCRA) of 1940 protects Reserve Component service members called to Active Duty from certain legal problems. Individuals protected under this law may qualify for: reduced interest rates on mortgage payments and credit card debt; protection from eviction if the rent is $1,200 or less; delay of all civil court actions, such as bankruptcy, foreclosure or divorce proceedings. All service members receive some protections under the SSCRA to include the right to vote in the state of their home record and protection from paying taxes in two different states. Note that the SSCRA of 1940 was revised in December 2003 to clarify certain provisions stated in the law such as a 6% interest rate cap on pre-service loans and obligations by specifying that interest in excess of 6% must be forgiven. The revised law modifies the eviction protection section by protecting service members from eviction for rent that does not exceed $2400 as opposed to the original $1,200. Another addition is the provision allowing service members called to active duty for a period of 180 days or more to be able to terminate automobile leases for use by them and their dependents. Contact your Staff Judge Advocate (SJA) office for more details on the provisions contained in the revised SSCRA.
Keywords: Mobilization, Army Reserves, Deployment

Question & Answer Service Providers  
Service ProviderReferenceMeans of Delivery
Legal Assistance / Legal Aide Soldiers' and Sailors' Civil Relief Act of 1940 Publication
Staff Judge Advocate

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