CDA Law Center: Servicemembers Civil Relief Act of 2003 (SCRA)

At the CDA Law Center office in Mission Viejo, California, located near the former Marine Corps Air Station El Toro, we honor the sacrifices of active military personnel by providing a discount on services associated with the Servicemembers Civil Relief Act of 2003 (SCRA). Moreover, CDA Law Center takes on a certain number of pro-bono cases every year to support military families whose financial hardship stems from the loss of a loved one in Iraq or Afghanistan. 

Signed into law in December of 2003, the SCRA revises and updates the protections provided by the Soldiers’ and Sailors’ Civil Relief Act of 1940. Under the provisions of the law, active military personnel can seek relief from specific financial obligations originating prior to enlistment or activation for military duty; in certain situations, the dependents of servicemembers may seek the protections of SCRA as well. Currently, the Act most commonly takes the forms of mortgage relief, protection against lease termination or eviction, capped interest rates, stays of proceedings, and the reworking of default judgments. 

To qualify for protection under the SCRA, military personnel or their representatives must submit a written request to the lender and supply appropriate documentation, including military orders and evidence that their debt precedes active duty. Beyond the SCRA, most lenders will work with servicemembers to avoid foreclosure or offer other loss mitigation programs. 

Military personnel may contact their military assistance attorneys for additional guidance on the SCRA. To learn more about CDA Law Center and our services for active duty military, visit our website at

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