SCRA Deadline / Clock Checker
Most SCRA rights run on a clock. Some end at separation, others carry a tail of 90 days, 180 days, one year, or two. Enter your dates and see which windows are open today, which are closing, and which have already closed. This is an estimator, not legal advice; your orders control.
During-service-only protections (these end at separation):
- Eviction protection from rental housing under 50 U.S.C. § 3951, while you are on active duty.
- Installment-contract repossession shield (for example, a car you made a payment on before service) under 50 U.S.C. § 3952, while you serve.
- The rate-cap savings on non-mortgage debt apply during service. The request window itself stays open 180 days after release, but only the mortgage cap keeps running a full year past duty.
Phone, internet, TV, gym and home security contracts (§ 3956)
Cancelled a service contract on qualifying orders under 50 U.S.C. § 3956? Enter the dates you know. Each deadline runs from a different event, so leave blank any you do not have yet.
Refund: § 3956(f), within 60 days after the termination takes effect, except the rest of the billing period it happens in. Equipment: § 3956(e)(3), within 10 days after disconnection, for gear an internet or TV provider rents or loans you (the § 3956(g)(4) definition). Number and no reinstatement charge: § 3956(c) and (e)(2), during the 90-day period that begins on the last day of the relocation (relocations of three years or less for the number). Estimates, not legal advice.
How this works
Which SCRA windows are still open for you, and which have closed.
The arithmetic
- Takes your service start date and, where it applies, your separation date.
- Measures each statutory window from the relevant anchor date.
- Reports each window as open, closing soon, or closed, with the section it comes from.
- For a service contract cancelled under § 3956, a second section takes the termination date, the disconnection date and the last day of the relocation, and returns the 60-day refund deadline, the 10-day deadline to return equipment an internet or TV provider rents or loans you, and the 90-day re-subscribe period that begins on the relocation’s last day.
The law behind this: 50 U.S.C. § 3937
Maximum rate of interest on debts incurred before military service: read the statute , or read § 3937 in plain English, with its enforcement record .
What this does not account for
- Windows run from different anchors. The 6% rate-cap request runs from the end of service, the foreclosure protection in § 3953 runs one year past service, and a stay application under § 3932 can be made within 90 days of release. The tool tracks these separately because they genuinely differ.
- Dates are calculated in whole days and do not account for tolling, extensions, or a court exercising discretion.
- A closed window does not always mean a closed case. Some protections have separate private remedies with their own limitation periods.
- The § 3956 refund date assumes the termination date you enter is the one in your notice; it does not compute the billing-period exception, which depends on your provider’s billing cycle.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.