Understand Your Rights Under the Servicemembers Civil Relief Act
Hello, I’m Oklahoma City attorney Dillan Savage of Wirth Law Office, and I practice primarily in the Oklahoma City, Oklahoma area. Today is another video about what HOAs cannot do, and what you can do that HOAs cannot stop you from doing. Today’s topic is the Servicemembers Civil Relief Act (SCRA).
HOA Foreclosure Risks
HOAs, through their fines and fees, can actually attempt to foreclose on your home. If your fines add up high enough through their internal process, they may try to move forward with foreclosure to recover what they claim you owe.
However, if you are an active duty member of the military—including members of the National Guard or Reserves on active orders—the Servicemembers Civil Relief Act protects you. It halts foreclosure and repossession proceedings while you’re on active duty. This could include your home, your vehicle, or other personal property.
Broad Protections Offered by the SCRA
This protection doesn’t only apply to HOAs—it applies across all civil proceedings. No individual or business can obtain a default judgment or repossess property from you without meeting the strict conditions laid out in the SCRA.
In most cases, this comes into play when a servicemember is deployed. The SCRA offers a wide range of protections:
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- Interest rates on debts can be reduced to 6%
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- Protection from default judgments
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- Protection from foreclosure and repossession
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- The ability to terminate housing and vehicle leases if deployment or military relocation occurs
Know Your Rights
If you’re a servicemember or you know one who may benefit from these protections, it’s important to understand your rights under the SCRA.
If you found this information helpful or believe it could help someone else, please visit theoklahomacityattorney.com.
Low-Cost Consultation Available
My name is Dillan Savage and I’m the Oklahoma City business law attorney with Wirth Law Office. If you have questions about your rights or need assistance, call me at 405-888-5400 for a low-cost consultation.
