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.

• SCRA & Wage Garnishment: Stop or Vacate the Order

  A court can stay or vacate a garnishment when service affects your ability to pay. Commercial creditors need a judgment; child support and DFAS debt do not.

  Can stop the withholding

• SCRA in Family Court: Custody, Divorce & Deployment

  Deployment cannot be the sole factor against you in custody. Pause a divorce with the SCRA stay, and 50 U.S.C. § 3938 caps deployment-based temporary orders.

  Protects custody + buys 90+ days

• SCRA and Bankruptcy: How the Protections Fit Together

  The SCRA applies inside bankruptcy court, and a separate rule lets many veterans, reservists, and Guard members skip the Chapter 7 means test entirely.

  Can skip the Chapter 7 means test

• Lender Denied Your SCRA Request? The Escalation Playbook

  Your lender ignored or denied your SCRA request? Work the ladder: written resubmission, the military desk, a CFPB complaint, JAG, the DOJ, then a lawsuit.

  Rescue a stranded 6% cap or refund

• SCRA Tolling: Your Legal Deadlines Pause During Service

  50 U.S.C. § 3936 freezes the statute of limitations during military service, for claims by AND against you. Automatic, no material-effect test. One exception.

  Preserves claims worth suing over

• SCRA & Contract Penalties: Fees a Court Can Erase

  50 U.S.C. § 3933 stops penalties from piling up during a stay and lets a court waive fines for missed contract terms when military service caused the miss.

  Cancels penalties, not the debt

• The Biggest SCRA Settlements: Proof the Law Has Teeth

  Santander $9.35M, CarMax $420K, Westlake $760K, and $484M for 149,000 troops since 2011. Proof the SCRA is enforced, with DOJ sources.

  $484M recovered since 2011

• Sued While Serving? The SCRA Default-Judgment Shield

  Deployed and miss a lawsuit: the court can default-judgment you and garnish wages. 50 U.S.C. § 3931 blocks that and lets you reopen one that slipped through.

  Stops wage garnishment

• The SCRA Rights You Can Be Tricked Into Waiving

  The 6% cap, the penalty-free lease exit, the no-foreclosure shield: you can sign them away. 50 U.S.C. § 3918 says a waiver only counts as a separate document.

  Protects rights worth thousands

• Your Lender Broke the SCRA. Here Is How to Make Them Pay

  A lender ignored the SCRA? 50 U.S.C. § 4042 lets you sue for your losses and make them pay your attorney. Plus how to complain to the DOJ and CFPB.

  Damages plus your legal fees

• Pause Any Lawsuit 90+ Days: The SCRA Stay

  50 U.S.C. § 3932 forces a court to pause any civil case at least 90 days when military duty keeps you from appearing. Deploy without losing by default.

  Buys 90+ days