Journalist @baltimoresun writer artist runner #amwriting Chaplain PIO #partylikeajournalist

Journalist @baltimoresun writer artist runner #amwriting Chaplain PIO #partylikeajournalist
Journalist @baltimoresun writer artist runner #amwriting Md Troopers Assoc #20 & Westminster Md Fire Dept Chaplain PIO #partylikeajournalist
Showing posts with label Military SCRA. Show all posts
Showing posts with label Military SCRA. Show all posts

Sunday, February 13, 2011

DAYHOFF: SCRA Military relief provisions of past offer practical help today

EAGLE ARCHIVE


The dire straits of our local and national economy continues to dominate the news these days. Despite of what our national and state leaders tell us, things are still bad out there for families, especially for the number of people losing their homes to foreclosure.

Locally, the ability to overcome financial challenges may have something to do with the collective history and personality of Carroll County.

When Carroll was formed Jan. 19, 1837, our nation was entering one of the worst depressions in its history.

According to Carol Lee in "Legacy of the Land," by 1843, a local newspaper was carrying "an average of twenty" bankruptcy and foreclosure notices a week.

Today, on a national level, what is even more distressing is the number of foreclosures on the homes of the veterans of the Iraq and Afghanistan wars is on the increase.

Many news accounts of such shabby treatment of our veterans, by many of our nation's largest financial institutions, has occurred despite the fact that the federal laws related to the Servicemembers Civil Relief Act financially protect military personnel. These provisions have been on the books, in one form or another, since the Civil War… http://www.explorecarroll.com/community/5163/military-relief-provisions-past-offer-practical-help-today/


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Wednesday, February 09, 2011

The Tentacle - Kevin Dayhoff: Veteran Foreclosures – A National Disgrace http://tinyurl.com/4cuxb78

February 9, 2011

Veteran Foreclosures – A National Disgrace  http://tinyurl.com/4cuxb78
Kevin E. Dayhoff
The Soldiers' and Sailors' Civil Relief Act (SSCRA) of 1940 was passed into law just prior to World War II to provide certain legal protections for members of the military in such matters as civil actions, foreclosures, and bankruptcy caused by lengthy absences from home while on duty.

Never heard of this law? Well, you are not alone. Apparently some of the nation’s largest financial institutions – that should know the law – have never heard of it, either.

Just last Thursday, The New York Times carried a front-page story involving an Iraq veteran who lost his home through foreclosure.

What is particularly upsetting about the story is that it is alleged that the servicemember had his home taken away from him in violation of a law intended to protect active military personnel from creditors, according to The Times. “(A)gents of Deutsche Bank foreclosed on his small Michigan house, forcing Sergeant Hurley’s wife, Brandie, and her two young children to move out and find shelter elsewhere…”

The Iraq and Afghanistan wars have seen our nation utilize a large number of reservists and National Guard men and women in uniform. The deployments have often caused financial hardships, especially when military personnel find themselves trying to make ends meet on military pay that is far less than what they make in their civilian lives.

The New York Times article notes: “Even though some of the nation’s military families have been sending their breadwinners into war zones for almost a decade, some of the nation’s biggest lenders are still fumbling one the basic elements of this law — its foreclosure protections.”

And last week USA Today carried an article by Gregg Zoroya, “20,000 military members, vets faced foreclosure in 2010,” which began with the chilling news that “…veterans, active-duty troops and reservists who took out special government-backed mortgages lost their homes last year — the highest number since 2003.”

According to various disturbing media reports, the “rate of foreclosure filings in 2010 among 163 Zip Codes located near military bases rose 32% over 2008, according to RealtyTrac, a foreclosure research firm. This compares with a 2010 increase in foreclosures filings nationally of 23% over 2008...  http://www.thetentacle.com/ShowArticle.cfm?mydocid=4219


The Tentacle - Kevin Dayhoff: Veteran Foreclosures – A National Disgrace  http://tinyurl.com/4cuxb78 
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Monday, February 07, 2011

US Armed Services Legal Assistance SCRA forms and information


US Armed Services Legal Assistance SCRA forms and information Home | AFLA Topics | Items of Interest | AFLA Locator | FAQs | About Us | Site Map | Contact Us Mon, 7 Feb 2011 

Updated: February 9, 2011:

http://www.thetentacle.com/ShowArticle.cfm?mydocid=4219  February 9, 2011, “Veteran Foreclosures – A National Disgrace,” Kevin E. Dayhoff

The Soldiers' and Sailors' Civil Relief Act (SSCRA) of 1940 was passed into law just prior to World War II to provide certain legal protections for members of the military in such matters as civil actions, foreclosures, and bankruptcy caused by lengthy absences from home while on duty.

Never heard of this law? Well, you are not alone. Apparently some of the nation’s largest financial institutions – that should know the law – have never heard of it, either… http://www.thetentacle.com/ShowArticle.cfm?mydocid=4219

Readers may find more information on the current version of the Servicemembers Civil Relief Act on the U.S Department of Housing and Urban Development website here: http://www.hud.gov/offices/cpd/about/hudvet/library/scra.cfm

The only official Department of Defense Service Members Civil Relief Act (SCRA) website: https://www.dmdc.osd.mil/appj/scra/scraHome.do

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“SCRA Frequently Asked Questions” on Military.com’s website: http://www.military.com/benefits/legal-matters/scra/frequently-asked-questions

Here are frequently asked questions and answers on some rights and benefits available under the Servicemember's Civil Relief Act (SCRA). This information is for personnel in the Active Duty and Reserves or National Guard who are activated to serve on active duty… http://www.military.com/benefits/legal-matters/scra/frequently-asked-questions

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January 26, 2011 A Reservist in a New War, Against Foreclosure By DIANA B. HENRIQUES

While Sgt. James B. Hurley was away at war, he lost a heartbreaking battle at home.

In violation of a law intended to protect active military personnel from creditors, agents of Deutsche Bank foreclosed on his small Michigan house, forcing Sergeant Hurley’s wife, Brandie, and her two young children to move out and find shelter elsewhere.

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Military.com: Bank Overcharged Troops for Mortgages


Military.com | by Bryant Jordan

A Marine who refused to roll over when mortgage giant JP Morgan-Chase imposed too high an interest rate on his loan and repeatedly pressed him for payments he'd already made has won a victory for thousands of military families including his own.

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Mon, 7 Feb 2011

Legal Assistance Information

Legal Assistance Information. The information provided through this Web site is for educational and general information purposes only. It is not legal advice. We recommend that you do not make legal decisions without speaking to a lawyer. Individuals eligible for military legal assistance use the Legal Services Locator to find the nearest legal assistance office.



Primer
SCRA Fact Sheet: Brief description of SCRA protections. Posted: 03 Sep 2008 | Size: 31 KB

Authorities: Federal Statutes

SCRA Text: Public Law 108-189; 50 U.S.C. App. §§ 501-596. Posted: 03 Sep 2008 | Size: 106 KB

References/Links About the Servicemembers Civil Relief Act: General information on SCRA; SCRA Pocket Guide (USCG MLCP); Text of the SCRA.

SCRA Handout (LAMP): Questions and answers about SCRA (NC State Bar, Legal Assistance for Military Personnel).

Forms

Notice of Cancellation of Motor Vehicle Lease: Notice of Cancellation of Motor Vehicle Lease from lessee to lessor, including Odometer Disclosure Statement.  Posted: 03 Sep 2008 | Size: 49 KB

Request for Interest Rate Adjustment: Sample Letter regarding servicemember's request for interest rate adjustment under SCRA. Posted: 03 Sep 2008 | Size: 11 KB

SCRA - 6% Cap on Loan Interest: General information / requirements and Sample Letter Posted: 03 Sep 2008 | Size: 14 KB

SCRA Checklist: Some SCRA protections apply to reservists and guardsmen called to active duty. Other SCRA protections apply to servicemembers who have always been on active duty while some protections apply to military dependents. This checklist will assist legal practitioners in ascertaining if specific protections apply to you.   Posted: 03 Sep 2008 | Size: 23 KB

SCRA Lease Termination and Sample Letter: Sample letter regarding servicemember's request to terminate a lease under the SCRA Posted: 03 Sep 2008 | Size: 24 KB

SCRA Notification: This notification includes a list of primary SCRA protections. It may be executed by servicemembers to show that they have been notified about SCRA protections. Posted: 03 Sep 2008 | Size: 22 KB

SCRA Standard Real Property Termination Form: Information on the SCRA Lease Termination and Sample Letter Posted: 03 Sep 2008 | Size: 112 KB

Servicemember's request for stay of proceedings: Sample letter regarding servicemember's request for stay of judicial proceedings under SCRA. Posted: 03 Sep 2008 | Size: 11 KB

Related: 20080000 Servicemembers Civil Relief Act PDF

File Format: PDF/Adobe Acrobat - Quick View

President Bush has signed the “Servicemembers Civil Relief Act,” new ... Servicemembers Civil Relief Act. Public Law 108-189 50 U.S.C. App. §§501–596...  www.standingupforillinois.org/pdf/homefront/SCRA.pdf


Related:


Retrieved February 7, 2011

Also see: “SCRA Frequently Asked Questions” on Military.com’s website: http://www.military.com/benefits/legal-matters/scra/frequently-asked-questions
Here are frequently asked questions and answers on some rights and benefits available under the Servicemember's Civil Relief Act (SCRA). This information is for personnel in the Active Duty and Reserves or National Guard who are activated to serve on active duty… http://www.military.com/benefits/legal-matters/scra/frequently-asked-questions

Click below for more information on:





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20110207 US Armed Services Legal Assistance SCRA info


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