Full SCRA coverage for institutional clients

All SCRA protections apply: §3931 default judgment (affidavit required), §3937 rate cap (6% on pre-service debts), §3953 foreclosure (court approval required), §3952 repossession (court order required), §3951 eviction (court approval below rent threshold). Law firms must verify military status via DMDC before any adverse action.

Use the Defense Manpower Data Center (DMDC) database via the SCRA website or batch upload API. Under §3931, you must file an affidavit stating whether the defendant is in military service. Filing a false affidavit can result in fines up to $100,000 and 1 year imprisonment. Civrel automates DMDC verification and generates compliant affidavits.

Under §3931, before entering a default judgment, the plaintiff must file an affidavit stating: (1) Whether the defendant is in military service, (2) Whether the defendant is not in military service, or (3) Whether the plaintiff is unable to determine military status. If unable to determine, the court must appoint an attorney to represent the defendant.

Not without court approval under §3953. The court must determine whether military service materially affects the servicemember's ability to meet the obligation. The court may stay proceedings, adjust the obligation, or grant other relief. Foreclosure protection extends for 1 year after discharge for mortgages.

Under §3931, knowingly filing a false affidavit is a federal crime punishable by: (1) Fine up to $100,000, (2) Imprisonment up to 1 year, or (3) Both. Additionally, the judgment may be set aside, and the firm may face DOJ enforcement, consent decrees, and reputational damage.

Civrel provides multi-client management with: (1) Separate workspaces per institutional client, (2) Batch verification across all clients, (3) Client-specific reporting and audit trails, (4) Automated affidavit generation with your organization name, (5) SLA tracking per client. This ensures compliance across your entire book of business.

Required documentation: (1) DMDC verification certificate showing military status check, (2) Affidavit of military status for default judgments, (3) Court orders for foreclosure/repossession/eviction, (4) Audit trail of all SCRA-related actions, (5) Client communication logs. Civrel generates all required documentation from a single dashboard.