“The [SCRA] law must be read with one eye with those who have dropped their affairs to answer their country`s call.” The Maistre v. Leffers, 333 U.S. 1, 6 (1948) (citing Boone v. Lightner, 319 U.S. 561, 575 (1943)). Restated, the SCRA should normally be read in favor of the service members who must protect it. See id. In a civil proceeding in which the defendant service member does not appear, a creditor must file an affidavit in court, finding one of three things: 1) that the defendant is on military duty; 2) that the defendant is not in military service; or that the creditor is not in a position to determine whether the defendant is in military service or not after making good faith efforts to determine the status of the defendant`s military service. Id. under .
3931 (b) (1). This is most often the case for the Ministry of Justice in judicial enforcement proceedings. [Note: seizures are usually made in two ways, either through the courts (through a court proceeding) or by extrajudicial process (without court intervention). The way SCRA handles both types of seizure procedures is very different, see 50 STATES. C No. 3931, 32 and 53, and Member States generally define how seizures can be made within their borders.] We encourage all service members to seek assistance first from a local military legal assistance service. However, if military legal assistance does not resolve the problem, if you are not entitled to military assistance, or if the case is time sensitive, the Department will review the complaint to determine whether it is appropriate to take action. Under the SCRA, the Attorney General has the right to file a federal appeal against any person (or organization) who participates in a model or practice of violation of this Act.  The Attorney General may also bring such an action if the facts in question raise “a matter of major public importance.”  When the Attorney General files a complaint with the SCRA, he has the power to demand monetary policy damages on behalf of certain members of the service.  The Attorney General also has the power to request civil sanctions, a fair discharge and a discharge of declaration.
 Note that the following is taken: www.justice.gov/crt/housing-and-civilenforcement-section-cases-1#sm Even if you are a member of the service, your creditor (bank/lender) can close this mortgage if you stay in your mortgage.  In a civil proceeding in which a defendant service member does not appear, including enforced execution by judicial proceedings, a creditor must file a sworn statement in which he declares one in three things: for most members of the service, the protection of the SCRA begins from the date they enter active military service.  For military reservists, protection begins with the arrival of certain military orders.  The provision applies to civil actions, paternity proceedings, custody applications, creditor debtors/assemblies and administrative proceedings.