Attorney General Alerts

Military Families have Credit Protections

July 13, 2016

The Servicemembers Civil Relief Act (SCRA) offers a number of protections for active duty members of the military and their families. The SCRA provides protections from evictions, postponement of civil court matters until the service member returns from active duty and also caps interest rates at 6 percent, but the SCRA also ensures that military servicemen and women who seek protections through the SCRA are not discriminated against by lenders.

The SCRA prevents lenders from denying or revoking credit, changing the terms of an existing loan or refusing to grant credit to a service member because they previously sought SCRA protections. Claiming those SCRA rights is not to be used as the basis for a lender to generate a negative credit report or conclude that the service member is unable to pay a debt.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert during Military Consumer Protection Month to educate active duty members of the military about the SCRA and the many protections it offers.

“The Servicemembers Civil Relief Act protections are in place to ease legal and financial burdens on military service members and their families,” said Attorney General Rutledge. “The demands of active duty can take a toll on families. The brave men and women who put their lives on the line need to know the laws that are in place to protect them.”

Attorney General Rutledge released the following tips for active duty military service members who believe their rights under the SCRA have been violated:

  • First, seek the counsel of a military legal assistance attorney to determine if your SCRA rights have been violated.
  • If the military attorney determines that a violation of the SCRA has occurred, the service member must retain a private civilian attorney with SCRA expertise in order to pursue a lawsuit. The Arkansas Bar Association provides a database of Arkansas attorneys.
  • Possible remedies to these types of issues include the recovery of monetary damages, legal costs and attorney fees.

Rutledge is dedicated to serving and protecting military members through the first-ever Military and Veterans Initiative at the Attorney General’s office. This initiative assists active duty military, reservists, veterans and their families with consumer related issues, veterans courts, Hiring Heroes program and other collaborative efforts.

Arkansas military service members, veterans and families should file consumer complaints with the Attorney General’s office on or by calling (800) 482-8982.

For more information and tips to avoid scams and other consumer related issues, contact the Arkansas Attorney General’s office at (800) 482-8982 or consumer@arkansasag.govor visit or

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