FIGHTING ON TWO FRONTS — What Every California Servicemember Should Know About Their SCRA Rights

Oct 14

Active-duty military service is an extraordinary commitment

But while you're serving our country, you shouldn’t have to fight battles back home against predatory lenders, foreclosures, or repossessions. That’s why the Servicemembers Civil Relief Act (SCRA) exists—and at **R23 Law**, we’re here to make sure it's enforced.

Our R23 Law California Consumer Protection Attorneys regularly work with servicemembers and their families to defend their rights under the SCRA. If your lender, landlord, or creditor is ignoring these protections, legal action may be necessary.

What is the SCRA and Why Does It Matter?

The SCRA, or the Service Member Civil Relief Act, is a federal law designed to ease financial and legal burdens on active-duty military personnel. It applies whether you're on deployment, receiving PCS orders, or transitioning back to civilian life.

From mortgage relief to lease terminations, the SCRA gives servicemembers the power to regain financial control—and holds businesses accountable when they break the rules.

Key SCRA Protections You Should Know

If you’re active-duty or a recently activated reservist, the SCRA may entitle you to:

Reduced Interest Rates

Cap interest rates at 6% on all pre-service loans, including car loans, student loans, and credit card debt.

Protection From Default Judgments

Prevent courts from issuing judgments against you without your knowledge or legal representation while you’re serving.

Foreclosure Protection

Banks cannot foreclose on your home during active duty without a court order—even if you fall behind on payments.

Repossession Protection

Your property, including vehicles, can’t be repossessed while you’re on active duty unless a court authorizes it.

Lease Termination Without Penalty

You can break an apartment lease or car lease—and recover pre-paid rent or lease payments—if you're deployed or receive PCS orders for 90+ days.

Serving Shouldn't Mean Being Financially Vulnerable

The financial stress that comes with military service is real. PCS moves, deployment expenses, and inconsistent communication can leave your family at risk if creditors or landlords refuse to honor SCRA protections.

At R23 Law, our California SCRA Attorneys help enforce your rights and pursue claims against lenders, landlords, or creditors who cross the line.

R23 Law Defends California Servicemembers

Whether you’ve been:

Charged interest beyond the 6% cap
Threatened with foreclosure while deployed
Denied your right to break a lease
Sued in court without notice

We’re ready to fight back for you.

As a firm that understands both consumer protection law and military hardship, we offer respectful, responsive legal services tailored to the unique needs of servicemembers.