Affidavit in Support of Default and SCRA Compliance 2025

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Examples of documentation we may request include: Call to Active Duty orders. Recall to Active Duty orders. Statement of Service (must be signed by Commanding Officer) Leave and Earnings Statement. Certified Letter signed by the Commanding Officer.
The Servicemembers Civil Relief Act (SCRA) and state laws protect you from default judgments while you are on active duty for the U.S. Military. A default judgment is when a judge makes a final decision in a case (a judgment) because you did not respond to the lawsuit by the deadline.
An SCRA affidavit, which most courts require, helps move cases forward so plaintiffs can get restitution more quickly. If a faulty affidavit is provided, sometimes the plaintiff has to start the process over again. The SCRA offers certain protections to personnel on active military duty.
An Affidavit of Default is a sworn statement telling the court that you served the Summons (with Children) and Complaint with Minor Children on the Defendant and that he/she has not responded within thirty days after the completed service.
Upon receiving a written notice and proof of military service3 through (a) written notice and a copy of the servicemembers military orders or any other appropriate indicator of military service, including a certified letter from a commanding officer or (b) independent verification by the creditor, creditors must, for

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Among other things, the SCRA allows for forbearance and reduced interest on certain obligations incurred prior to military service, and it restricts default judgments against servicemembers and rental evictions of servicemembers and all their dependents.
The SCRA provides that (1) a default judgment cannot be taken against a servicemember, and (2) the court has the authority to stay court proceedings against the servicemember. service, the SCRA provides that a Judge must reopen the judgment and allow the Servicemember to defend against the lawsuit.
So the other response is only partially correct. The scra only applies to pre-service debt. Any balance you had on the card prior to enlisting that carried over is legally required to be dropped to 6%, and any interest paid on the excess needs to be returned. That is the only protection you have by that law.

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