Does SCRA protect against repossession?

Yes – lenders cannot repossess a vehicle purchased before active duty without a court order during service + 90 days after.

Can I sue if my car was repo’d while on active duty?

Yes – SCRA violations can result in return of the vehicle, wiped deficiency, and significant damages.

Who qualifies for SCRA repossession protection?

Active duty military, reservists on orders, National Guard federal activation, and certain commissioned officers.

Military Repo Protection – SCRA Protects Active Duty Service Members from Repossession (2026)

Active duty military, reservist called to duty, or National Guard activated?
The Servicemembers Civil Relief Act (SCRA) PROHIBITS repossession without court order while on active duty + 90 days after.
Illegal military repo = $30,000 – $100,000+ settlement + vehicle returned + deficiency wiped
100% FREE – lender/repo company pays our fees + your cash

How the SCRA Protects You from Repossession

The Servicemembers Civil Relief Act (50 U.S.C. § 3952) provides powerful protection for active duty service members. If your vehicle was purchased BEFORE entering active duty, lenders CANNOT repossess it without a court order while you are on active duty and for 90 days after discharge.

SCRA Violation	Average 2026 Settlement
Repo without court order during active duty	$30,000 – $100,000+
Repo within 90 days after discharge	$25,000 – $80,000+
Willful violation (lender knew you were active duty)	$50,000 – $120,000+ (punitive)
Kept personal property or charged fees	$15,000 – $60,000+
Combined violations	$60,000 – $150,000+

Who Is Protected Under SCRA for Repossession?

Active duty Army, Navy, Air Force, Marines, Coast Guard
Reservists ordered to active duty for more than 30 days
National Guard members activated under federal orders
Commissioned officers of the Public Health Service or NOAA on active duty
Protection starts day you enter active duty and lasts until 90 days after discharge

Common Military Repo Violations We Sue For

Repo while deployed or on active duty orders
Repo shortly after returning from deployment
Lender ignored SCRA letter or active duty status
Kept personal property (tools, uniforms, gear) or charged fees
Sold vehicle and demanded deficiency payment

We Sue These Lenders & Repo Companies for SCRA Violations

Santander Consumer USA
Credit Acceptance
Westlake Financial
Bridgecrest (DriveTime)
Ally Financial
Renovo Recovery
Relentless Recovery
United Recovery
Local repo companies near military bases

Real Military Repo Wins (2026 Examples)

Case 1: Repo while soldier deployed overseas → $95,000 settlement + car returned.
Case 2: Repo 60 days after discharge → $72,000 + deficiency canceled.
Case 3: Willful violation despite SCRA notice → $110,000 punitive damages.
Case 4: Kept military gear + illegal repo → $85,000 + items returned free.