The SCRA protects servicemembers bytemporarily suspending certain judicial and administrative proceedings and transactions that mayadversely affect their civil rights during their military service. The Act defines "Secretary concerned" with respect to a member of the armed forces as having the meaning in 10 U.S.C. This section requires military authorities to provide servicemembers with written information of their rights and benefits under the SCRA. The coverage ends in the event the ordersto active duty are revoked. They serve to suspend civil liabilities of military personnel and preserve causes ofaction either for or against them. Protection against default judgments. Thissection is inapplicable to section 301 (protection from eviction or distress). Maximum rate of interest. Evictions and distress. At least one court had interpreted the wording of the SSCRA, which statesan action is forbidden "unless upon an order previously granted by the court" to mean that the ordermust have been issued prior to the servicemember's entry into active duty. Cancellation of residential or motor vehicle lease. This section allows military persons who live in rental property to terminate leases they entered into prior to a period of active service. To be covered by the Act, the policymust be for a whole, endowment, universal, or term life insurance (other than group term lifeinsurance), or benefit similar to life insurance that comes from membership in any fraternal orbeneficial association and has to satisfy all of the following conditions:
(1) the policy does not include a provision limiting the amount of insurance coverage based on the insured's military service;
(2) the policy does not require the insured to pay higher premiums if he or she is in military service;
(3) the policy does not include a provision that limits or restricts coverage if the insured person engages in any activity required by military service; and
(4) the policy has to be "in force" (premiums have to be paid on time before any benefit guaranteed by these sections of the law can be claimed) for at least 180 days beforethe insured enters military service. Insurance rights and protections. V. Taxes and Public Lands

The fifth broad category of provisions of the SCRA provides protection for certain rightsregarding public lands and protects servicemembers from having to pay certain taxes to multiplejurisdictions. Desert-land entries. Property used for business is not exempt from taxation. 101(6)). Anticipatory relief. Courts may grant the following relief:
(1) if the obligation involves payments of installments for the purchase of real estate (like a mortgage), the court can stay enforcement of the obligation by adding a period oftime no greater than the period of military service to the remaining life of the contract,subject to the payment of the balance of principal and accumulated interest that remainsunpaid at the termination of the applicant's military service, in equal installments over theduration of the extended life of the contract; and
(2) for any other type of obligation, liability, tax, or assessment, the court can stay enforcement for a period of time equal to the petitioner's period of military service,subject to payment of the balance of principal due plus accumulated interest in equalinstallments over the duration of the stay. The servicemember must resume makingregular payments on the debt after leaving active duty, in addition to the payments to make up forthe smaller payments he or she made while on active duty. Professional liability insurance. , malpractice) insurance policy, maysuspend payment of premiums on their liability insurance while they serve on active duty withoutlosing any coverage. Reinstatement of health insurance.
Recognizing the special burdens that members of the military may encounter in trying to meet their financial obligations while serving their country, Congress passed the Soldiers' and Sailors'Civil Relief Act of 1940 (SSCRA). This law has been amended from time to time, ordinarily inresponse to military operations that require the activation of the Reserves. P.L. 108-189 , the"Servicemembers Civil Relief Act (SCRA)," was enacted on December 19, 2003 and overhauls theSSCRA. This report summarizes the rights granted to persons serving on active duty in the U.S.Armed Forces under the newly enacted SCRA.
SCRA is a comprehensive rewrite of the SSCRA which clarifies language that has been subject to differing interpretations by courts, and modifies or expands certain benefits. The SCRA providesprotections for servicemembers in the event that their military service impedes their ability to meetfinancial obligations incurred before their entry into active military service. The SCRA does notrequire forgiving any debts or the extinguishment of contractual obligations on behalf ofservicemembers who have been called up for active duty, nor does it provide absolute immunityfrom civil lawsuits. Instead, it suspends claims against servicemembers and protects them fromdefault judgments. The SCRA also protects military members and their families from eviction,protects against cancellation of life insurance policies or non-reinstatement of health insurancepolicies, allows some professionals to suspend malpractice or liability insurance while on activeduty, and protects from taxation in multiple jurisdictions as well as forced property sales to payoverdue taxes.
The SCRA provides for a cap on interest at an annual rate of 6% on debts incurred prior to a person's entry into active duty military service, sets forth procedures for requesting such a reduction,and clarifies that the balance of interest for the servicemember's period of military service is to beforgiven by the lender. Other measures protect military families from being evicted from rentalproperty or from mortgaged property, from cancellation of life insurance, from taxation in multiplejurisdictions and from foreclosure of property to pay taxes that are due, and from losing certain rightsto public land. It raises the amount of the rent that qualifies for protection from eviction, allowsservicemembers on active duty to terminate housing leases, and allows some servicemembers toterminate automobile leases.