SCRASAVER
Every claim cited to the U.S. Code

The Servicemembers Civil Relief Act, in plain English

Know the law. Keep your money.

Federal law caps your pre-service debt at 6% APR, breaks leases when orders move you, and shields your home and car. Most service members never claim a dollar of it. Claiming takes one letter.

Find your savings Read the complete guide

Where your money is hiding

  • The 6% Interest Rate Cap

    Cut every pre-service debt (credit cards, auto loans, mortgages, student loans) to 6% APR and claim refunds.

  • Break Leases & Contracts Penalty-Free

    End apartment leases, auto leases, and phone contracts without fees when orders move you.

  • Protect Your Home & Car

    Foreclosure and repossession protections that keep your biggest assets safe during service.

  • Eligibility & Timing

    Who qualifies, what paperwork proves it, and exactly when protections start and stop.

  • Military Money Moves

    Beyond the rights, the money plays that maximize your benefits: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves generic guides never cover.

  • Defend Your Rights in Court

    Sued, served, or facing eviction while you serve? Default-judgment shields, the 90-day stay, the rights you can be tricked into waiving, and how to make a lender that broke the law pay.

  • The Military Lending Act (36% Cap)

    The SCRA covers debt from before you served; the Military Lending Act caps NEW consumer credit taken out while you serve at a 36% MAPR, and bans the predatory terms that target troops.

  • State-by-State SCRA Benefits

    Your state stacks its own protections on top of the federal SCRA: state-duty Guard coverage, longer rate caps, broader lease exits. What applies where you live.

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Latest guides

What your state adds on top of the federal SCRA

The SCRA is the federal floor. Most states stack their own protections on top: a state SCRA of their own, National Guard coverage on state active duty, longer rate caps, or broader lease exits. Find yours on the map, then open its page.

Browse the full state directory →

Washington: State SCRA / state-duty coverage Montana: State SCRA / state-duty coverage Maine: Some added protections North Dakota: Some added protections South Dakota: State SCRA / state-duty coverage Wyoming: State SCRA / state-duty coverage Wisconsin: State SCRA / state-duty coverage Idaho: State SCRA / state-duty coverage Vermont: Some added protections Minnesota: Some added protections Oregon: State SCRA / state-duty coverage New Hampshire: State SCRA / state-duty coverage Iowa: Some added protections Massachusetts: State SCRA / state-duty coverage Nebraska: Some added protections New York: State SCRA / state-duty coverage Pennsylvania: State SCRA / state-duty coverage Connecticut: State SCRA / state-duty coverage Rhode Island: State SCRA / state-duty coverage New Jersey: State SCRA / state-duty coverage Indiana: State SCRA / state-duty coverage Nevada: Some added protections Utah: Some added protections California: State SCRA / state-duty coverage Ohio: State SCRA / state-duty coverage Illinois: State SCRA / state-duty coverage District of Columbia: Not covered (no state page) Delaware: State SCRA / state-duty coverage West Virginia: State SCRA / state-duty coverage Maryland: Some added protections Colorado: State SCRA / state-duty coverage Kentucky: State SCRA / state-duty coverage Kansas: Some added protections Virginia: State SCRA / state-duty coverage Missouri: Some added protections Arizona: State SCRA / state-duty coverage Oklahoma: State SCRA / state-duty coverage North Carolina: State SCRA / state-duty coverage Tennessee: Federal SCRA baseline Texas: State SCRA / state-duty coverage New Mexico: State SCRA / state-duty coverage Alabama: State SCRA / state-duty coverage Mississippi: Some added protections Georgia: Some added protections South Carolina: State SCRA / state-duty coverage Arkansas: Some added protections Louisiana: State SCRA / state-duty coverage Florida: State SCRA / state-duty coverage Michigan: Some added protections
  • State SCRA / state-duty coverage (34)
  • Some added protections (15)
  • Federal SCRA baseline (1)
  • D.C. (no page)
Not shown on the map: Alaska Hawaii

State SCRA / state-duty coverage · 34 states

Its own servicemember civil-relief law, or the federal SCRA extended to the National Guard on state active duty.

  • Alabama : Extends the SCRA and USERRA to Guard on emergency state active duty (Title 31, ch. 12); resident active-duty pay is still taxed.
  • Alaska : Extends the SCRA to its Guard on state active duty (AS 26.05.135), adds a state contract-cancellation route, and levies no income tax.
  • Arizona : Extends SCRA and USERRA protections to Guard on the governor's state-duty orders (A.R.S. Title 26) and exempts active-duty pay from income tax.
  • California : The 6% cap runs 120 days past service, covers Guard on state duty, adds payment deferrals, and makes violations a crime (Mil. & Vet. Code §§ 400-409.13).
  • Colorado : Its State Military Service Civil Relief Act covers Guard and state defense force members on governor-ordered duty over 30 days (C.R.S. tit. 28).
  • Connecticut : Applies the full federal SCRA to its Guard on state active duty (C.G.S. § 27-34a), life insurance excepted, plus job-leave and reemployment rights.
  • Delaware : Its own SCRA (6 Del. C. ch. 25D) extends the 6% cap and default-judgment shield to Guard on state active duty over 30 days.
  • Florida : Lets service members break a lease for any 60+ day orders 35+ miles away and covers Guard on state duty with mortgage/property protections (§ 250.5205).
  • Hawaii : Runs its own civil-relief law (HRS ch. 657D) mirroring the SCRA for state military forces: lease exits, foreclosure shields, eviction stays, and stays.
  • Idaho : Its Militia Civil Relief Act (Idaho Code § 46-409) applies the federal SCRA and USERRA to the Guard on emergency state active duty.
  • Illinois : Has its own Service Member Civil Relief Act (330 ILCS 63), a dedicated lease-termination statute (765 ILCS 705/16), and does not tax military pay.
  • Indiana : Its Servicemembers Civil Relief Act (IC 10-16-20) extends the 6% cap, default-judgment shield, and dependent protections to the Guard on state duty over 30 days.
  • Kentucky : Extends SCRA protections to the Guard on Title 32 or state active duty over 30 days (KRS 38.510) and exempts active-duty pay from income tax.
  • Louisiana : Adopts the SCRA and USERRA as state law for the Guard on state active duty (R.S. 29:422) and caps break-lease liability at one month's rent (R.S. 9:3261).
  • Massachusetts : Gives its military forces the full federal SCRA on state active duty (M.G.L. c. 33 § 13A), an 8-year service window, and money damages for violations.
  • Montana : Its National Guard Civil Relief Act (MCA tit. 10, ch. 1, pt. 9) gives Guard on state duty lease and contract exits, mortgage/rental payment relief, and court stays.
  • New Hampshire : Imports the full SCRA onto Guard state active duty of 30+ days (RSA 110-C:2), adds USERRA job rights, and levies no state income tax.
  • New Jersey : Runs its own Soldiers' and Sailors' Civil Relief Act (N.J.S.A. 38:23C): stays, default-judgment shields, lease and auto-lease termination. NJ taxes military pay.
  • New Mexico : Extends the SCRA to the Guard on 30+ day state active duty or homeland-security duty (§ 20-4-7.1) and exempts active-duty pay from income tax.
  • New York : Its Soldiers' and Sailors' Civil Relief Act gives state-duty members a state 6% cap (§ 323-a) and foreclosure protection beyond the federal floor.
  • North Carolina : Wrote the entire federal SCRA into state law (G.S. 127B), extended it to the Guard on state duty and to dependents, and opened state-court enforcement.
  • Ohio : Extends SCRA protections to the Guard on the governor's orders (ORC § 5923.12) and exempts active-duty pay earned while stationed outside Ohio.
  • Oklahoma : Adopts the federal SCRA as state law for the Guard on state active duty or Title 32 duty (Title 44 § 208.1) and exempts 100% of active-duty pay from tax.
  • Oregon : Its militia code caps pre-service interest at 6% for state-duty members (ORS 399.240) and lets them apply for relief and stays (ORS 399.238).
  • Pennsylvania : Its Military Code (51 Pa.C.S. §§ 7315-7316) gives Guard on state duty its own lease exit and 6% rate cap; out-of-state active-duty pay is untaxed.
  • Rhode Island : Gives Guard on state active duty over 90 days the full federal SCRA (R.I. Gen. Laws § 30-7-10): 6% cap, lease and eviction protection, and stays.
  • South Carolina : Its Servicemembers Civil Relief Act extends federal protections to Guard on 30+ day state duty and exempts nonresidents' vehicles from annual property tax.
  • South Dakota : Gives Guard on state active duty the full federal SCRA and USERRA (SDCL § 33A-2-9), free civil-case representation, and has no state income tax.
  • Texas : Extends the SCRA to Texas Military Forces on state active duty (Govt Code ch. 437), lets lease notice start the clock before orders arrive, and has no income tax.
  • Virginia : Extends SCRA protections to the Guard on 30+ day Title 32 or state orders (§ 44-102.1), adds PCS/TDY contract termination, and exempts your car from tax.
  • Washington : Its own Service Members' Civil Relief Act (RCW 38.42) covers Guard on governor call-ups and residents, running 180 days past release; no income tax.
  • West Virginia : Its own SCRA (W. Va. Code § 15-1F-11) gives Guard on state active duty over 30 days all the protections of the federal SCRA.
  • Wisconsin : Caps pre-duty interest at 6% and blocks default judgments for Guard on state active duty over 30 days (Wis. Stat. § 321.62).
  • Wyoming : Gives Guard on state active duty over 30 days the full federal SCRA (W.S. § 19-11-122), exempts military-duty pay from garnishment, and has no income tax.

Some added protections · 15 states

Extra protections beyond the SCRA (a tax exemption, lease law, or job/court rights) but no full state SCRA.

  • Arkansas : No state SCRA analog, but fully exempts active-duty pay from income tax (A.C.A. § 26-51-306) and allows a 180-day tax deferral during service.
  • Georgia : No full state SCRA; adds strong reemployment protection for Guard on state active duty (O.C.G.A. § 38-2-280), with the Attorney General available to help.
  • Iowa : No state 6% cap; Iowa Code ch. 29A adds strong reemployment, anti-discrimination, and dependent-health protections. Financial relief runs on the federal SCRA.
  • Kansas : No full state SCRA; gives Guard on 30+ day state duty health and injury coverage (KSA ch. 48) and, from 2026, a new military-pay tax deduction.
  • Maine : No state rate cap; its civil relief (37-B § 389-A) gives Guard on state duty court stays, remote testimony, and custody protection, plus a relief fund.
  • Maryland : Codifies servicemember lease termination with a damages cap (Real Property § 8-212.1), applies the federal SCRA in full, and adds a narrow overseas-pay tax subtraction.
  • Michigan : Shields a state-duty member's property from levy and seizure during service and 6 months after (MCL 32.517) and does not tax active-duty pay.
  • Minnesota : Can stay civil court cases for Guard on 60+ day active service (ch. 192) and subtracts active-duty pay from income tax. No state rate cap.
  • Mississippi : Recognizes military lease termination and exempts the first $15,000 of Guard/Reserve pay and 100% of military retirement from tax (§ 27-7-15).
  • Missouri : Lets military tenants end a lease on 15 days' notice (RSMo 41.944) and deducts 100% of active-duty and Guard/Reserve drill pay from income tax.
  • Nebraska : No state SCRA; gives Guard on state active duty paid military leave and USERRA-style reemployment (Neb. Rev. Stat. §§ 55-160, 55-161).
  • Nevada : No state SCRA; no state income tax on military pay or retirement, plus a Guard job-protection statute against termination for service (NRS ch. 412).
  • North Dakota : No state 6% cap; gives Guard on state active duty paid military leave and health-insurance help (NDCC 37-01-25). Financial relief runs on the federal SCRA.
  • Utah : No full state SCRA; backs its Guard on state duty with injury, disability, and death benefits (Title 39A). Utah taxes resident active-duty pay.
  • Vermont : No state rate cap; stays civil cases for Guard on state active duty and protects the civilian job (20 V.S.A. ch. 29), with a $50,000 death benefit.

Federal SCRA baseline · 1 states

No state SCRA; servicemembers rely on the federal Servicemembers Civil Relief Act.

  • Tennessee : No state SCRA; relies on the federal SCRA for debt and housing. Its edge is no state income tax on military pay or retirement.
  • Cited to the U.S. Code Every protection links to the statute
  • Written by a veteran Air Force vet, banking background
  • Tools that do the work Letter generator, deadline checker, rate-cap lookup

Read our editorial policy. General information, not legal or financial advice.

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