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   Sgt. John J. Savage III, an Army reservist, was about to climb onto a troop transport plane for a flight to Iraq from Fayetteville, N.C., when his wife called with alarming news: "They're foreclosing on our house."

Bad Credit Credit Creditres Sergeant Savage recalled, "There was not a thing I could do; I had to jump on the plane and boil for 22 hours."

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Bad Consolidation Credit Debt He had reason to be angry. A longstanding federal law strictly limits the ability of his mortgage company and other lenders to foreclose against active-duty service members.

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Bad Company Credit Repair But Sergeant Savage's experience was not unusual. Though statistics are scarce, court records and interviews with military and civilian lawyers suggest that Americans heading off to war are sometimes facing distracting and demoralizing demands from financial companies trying to collect on obligations that, by law, they cannot enforce.

In 1996, again applying for credit, Harris learned that more bad data from the other "Mary Harris" had returned to her credit report. This time when she called Equifax, Harris said an agent told her that Equifax merely reported the information creditors provided them and it was not Equifax's job to investigate errors. The agent told Harris that she had to contact the creditors, convince them to stop the errors, and direct Equifax to delete them.

Bad Card Credit Credit Some cases involve nationally prominent companies like Wells Fargo and Citigroup, though both say they are committed to strict compliance with the law.

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Bad Car Credit Loan The problem, most military law specialists say, is that too many lenders, debt collectors, landlords, lawyers and judges are unaware of the federal statute or do not fully understand it.

Will my credit rating be affected ?The creditor may not threaten your credit rating or report you as delinquent while your bill is in dispute. However, the creditor may report that you are challenging your bill. In addition, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants who exercise their rights, in good faith, under the FCBA. Simply put, you cannot be denied credit simply because you've disputed a bill.?/p>

Bad Credit Loan Mortgage The law, the Servicemembers Civil Relief Act, protects all active-duty military families from foreclosures, evictions and other financial consequences of military service. The Supreme Court has ruled that its provisions must "be liberally construed to protect those who have been obliged to drop their own affairs to take up the burdens of the nation."

Auto Bad Credit Loan Yet the relief act has not seemed to work in recent cases like these:

Bad Credit Mortgage Refinance At Fort Hood, Tex., a soldier's wife was sued by a creditor trying to collect a debt owed by her and her husband, who was serving in Baghdad at the time. A local judge ruled against her, saying she had defaulted, even though specialists say the relief act forbids default judgments against soldiers serving overseas and protects their spouses as well.

Bad Credit Refinance At Camp Pendleton, Calif., more than a dozen marines returned from Iraq to find that their cars and other possessions had been improperly sold to cover unpaid storage and towing fees. The law forbids such seizures without a court order.

Bad Credit Mortgage Second In northern Ohio, Wells Fargo served a young Army couple with foreclosure papers despite the wife's repeated efforts to negotiate new repayment terms with the bank. Wells Fargo said later that it had been unaware of the couple's military status. The foreclosure was dropped after a military lawyer intervened.

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Bad Card Credit The relief act provides a broad spectrum of protections to service members, their spouses and their dependents. The interest rate on debts incurred before enlistment, for example, must be capped at 6 percent if military duty has reduced a service member's family income.

Bad Credit Financing The law also protects service members from repossession or foreclosure without a court order. It allows them to terminate any real estate lease when their military orders require them to do so. And it forbids judges from holding service members in default on any legal matter unless the court has first appointed a lawyer to protect their interests.

Bad Credit Home Loan Mortgage The law is an updated version of the Soldiers' and Sailors' Civil Relief Act, which was adopted on the eve of World War II and remained largely unchanged through the Persian Gulf war of 1991. But in July 2001, a federal court ruled that service members could sue violators of the relief act for damages. And the terrorist attacks on Sept. 11 prompted Congress to take up a long-deferred Pentagon proposal to update the old act. The revised statute, clearer and more protective than the old one, was signed into law in December 2003.

Bad Credit Loan People But the news was apparently slow in reaching those who would have to interpret and enforce the law.

Bad Card Credit Credit People "There are 50,000 judges in this country and God knows how many lawyers," said Alexander P. White, a county court judge in Chicago and the chairman of one of the American Bar Association's military law committees. "Are people falling down on the job - the judges, the bar, the military? Probably." And broad understanding of the law "is not going to happen overnight."

Bad Credit Guaranteed Loan Military lawyers, credit industry organizations and some state courts and bar associations have also tried to spread the word about the new law. But these efforts are not enough, said Col. John S. Odom Jr., retired, of Shreveport, La., who is a specialist on the act. "What we need is a way to reach Joe Bagadoughnuts in Wherever, Louisiana," he said. "Because that's where these cases are turning up."

Bad Credit Refinancing One reason they are surfacing in unlikely places is the Pentagon's increased reliance on Reserve and National Guard units that do not hail from traditional military towns, said Lt. Col. Barry Bernstein, the judge advocate general for the South Carolina National Guard. When these units are called up, he said, their members find themselves facing creditors and courts that may never have dealt with the relief act.

Bad Credit Equity Home Loan As a result, some service members heading off to war have confronted exactly the kinds of problems the law was supposed to prevent. The Coast Guard alone handled more than 300 complaints last year; military law specialists say the numbers are probably higher in the branches sending troops abroad.

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Bad Credit Repair Sergeant Savage's lender eventually dropped its foreclosure against him after receiving repeated warnings from military lawyers at Fort Bragg, N.C. But damage was done. The foreclosure dispute remained on his credit history, hurting his ability to revive his struggling wireless Internet connection business when he returned home to Asheboro, N.C., he said. By then he had retired on full disability after being seriously injured while working on a sabotaged electrical system at the former Baghdad Convention Center.

Bad Credit Home Loan Uk Sergeant Savage has not let the matter end. Represented by Colonel Odom, he has filed a lawsuit in federal court in Greensboro, N.C. He says the EverHome Mortgage Company, a unit of the EverBank Financial Corporation in Jacksonville, Fla., violated the relief act by failing to cap his mortgage at 6 percent, wrongfully initiating foreclosure and, after dropping the foreclosure, failing to remove information about it from his credit history.

2nd Bad Credit Mortgage The mortgage company denied that it violated the act or treated Sergeant Savage unfairly. His case "has unique and extenuating circumstances" that will be raised when the dispute comes to trial, Michael C. Koster, EverHome's president, said in a written statement.

Bad Credit Loan Unsecured "We are confident that court documents will reveal that EverBank treated Mr. Savage equitably and worked diligently to resolve this matter," Mr. Koster said.

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Bad Credit Home Loan New When Sgt. Michael Gaskins of Fort Hood, Tex., was sent to Iraq last April, his wife, Melissa, was left to cope with a dispute over a delinquent loan from the Tallahassee Memorial Hospital credit union; the couple took out the loan just before Sergeant Gaskins enlisted in November 2001. When the credit union took the couple to court in Texas last year, a military lawyer at Fort Hood alerted the local judge that the new relief act required that the case be deferred because Sergeant Gaskins was abroad.

Bad Business Credit Loan But on Feb. 18, a county court judge in Gatesville, Tex., ruled that Mrs. Gaskins had lost the case by default. She was ordered to pay the credit union more than $6,000 and turn over the family truck, which secured the loan. Colonel Odom, who is also representing the couple, is trying to have the default judgment overturned, in part on the ground that the relief act protects spouses as well as service members.

Bad Credit Lender Mortgage The credit union in Tallahassee, Fla., disputes that. "It's our position the act does not protect her," said Palmer Williams, a lawyer for the organization. Judge Susan R. Stephens, the county judge who signed the default judgment, said she did not think that Mrs. Gaskins had ever invoked the relief act but said she would review the matter when it came before her.

Bad Credit Home Loan Mobile The relief act was also supposed to prevent the kind of situation that the marines returning to Camp Pendleton faced when they discovered that their cars and other possessions had been sold to cover towing and storage fees.

Bad Cash Credit Loan "The act says you need a court order to do that, and you can't get a court order without notice to the service member," said Maj. Michael R. Renz, director of the joint legal assistance office there. "I've got six attorneys here, and each one of us has handled at least two or three of these cases within the last eight months."

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Bad Card Credit Debt Stephen Lynch, a civilian lawyer for the Coast Guard in Cleveland, said he had stepped in repeatedly over the past year to help service members invoke their rights under the act.

Bad Business Credit Loan Small One of them is a young soldier sent to east Asia, leaving a wife and two children at home in northern Ohio. His periods of unemployment and the death of a newborn daughter last July left the young family struggling financially. Their situation was aggravated by delays in the processing of his first military paychecks, said Mr. Lynch, who asked that the couple's name not be used because their debt problems could hurt the soldier's career.

Bad Bankruptcy Car Credit Loan The soldier's wife said she had tried for months to renegotiate their mortgage with Wells Fargo Home Mortgage. But on March 8, just three weeks after paying the bank $3,000 that the U.S.O. had raised on her behalf, she was served with foreclosure papers.

Bad Credit Instant Loan "I'm having anxiety attacks," the wife said in an interview that night. "I'm not sleeping." She said she was especially worried about how much to tell her husband. "The other military wives I've spoken to all say, 'Don't let them know you're upset; don't let them hear you cry.' "

Bad Credit Equity Loan Kevin Waetke, a spokesman for Wells Fargo, said the foreclosure action was dropped as soon as Mr. Lynch contacted the bank's lawyers. The bank had not known the couple was eligible for relief, he said.

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Application Bad Card Credit A Coast Guardsman, Kevin Cornell, was baffled by his experience with Citigroup's credit card unit. When he enlisted, he had a Citibank card and another from Sears, whose credit card operations Citibank acquired in late 2003. When he applied last fall to have the interest rates on both cards capped at 6 percent, Citibank did even better: it cut the rate on his pre-enlistment balance to zero.

Bad Credit Home Loan Va But the Sears card was another story; a different Citibank employee refused to make the interest rate cut on that card retroactive to his date of enlistment, as the new relief act requires. Again, Mr. Lynch intervened. But he said he wondered how many other service members had been misinformed.

Bad Credit Home Loa Janis Tarter, a spokeswoman for the bank, said the company's policy was to go beyond the requirements of the relief act on all its credit cards. "We regret the difficulty that our customer encountered," Ms. Tarter said. "It is not representative of the level of service we work to provide."

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Bad Credit Home Loan Really Some problems that military personnel are confronting suggest that the new law may need more work by Congress. For example, although mandatory arbitration clauses are becoming increasingly common in credit agreements, arbitration is not even mentioned in the relief act.

Bad Credit Fix But the biggest problem, both bankers and military lawyers say, is that the enforcement of the act rests initially on the shoulders of the service members themselves. They must notify their creditors or landlords of their military status to invoke their rights under the act. It is one more chore for a soldier getting ready for overseas duty, and it often does not get done properly.

Bad Credit Down Home Loan And if a landlord or creditor, out of ignorance or intransigence, refuses to comply with the act, the service member may not have the time or money to fight back, said Capt. Kevin P. Flood, a retired Navy lawyer.

Bad Credit Lender "Sure, if you take them to court and win, you can even collect damages," Captain Flood said. "But most of our people are not in that position. They are just regular Joes, and they don't have the money to hire a lawyer."

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