Understanding Your Military Consumer Protections
Our firm specializes in enforcing federal laws designed to protect active-duty personnel and their families. We handle the complex legal work so you can focus on your duties.
SCRA Interest Rate Reductions
If you incurred debt prior to joining the military, you are protected by the Servicemembers Civil Relief Act (SCRA). We assist in capping your pre-service loan interest rates at 6%, ensuring lenders refund any overpayments made while you were on active duty.
MLA Predatory Lending Defense
The Military Lending Act (MLA) strictly prohibits lenders from charging active-duty service members more than a 36% Military Annual Percentage Rate (MAPR). If you are trapped in a high-interest payday loan, title loan, or installment loan, we can help you fight back against these illegal terms.
Debt Collection Harassment
It is a violation of the Fair Debt Collection Practices Act (FDCPA) for collectors to contact your chain of command or commanding officer regarding personal debts. We stop the harassment and hold collectors accountable for threatening your career or security clearance.
Lease Termination & Housing Rights
Received PCS orders or being deployed? You have the right to terminate residential leases without penalty. We also provide defense against foreclosure proceedings, ensuring your family’s home is secure while you are deployed.
Consultation & Pricing
We understand the financial constraints military families face. Cannon Legal PLLC offers confidential consultations to review your eligibility for help. We operate with transparent fee structures and, in certain cases regarding consumer rights violations, we may offer alternative fee arrangements depending on the potential recovery of statutory damages.
Your Mission is Serving; Ours is Protecting You
- Nationwide Representation: Whether you are stationed in Texas, overseas, or anywhere in the U.S., our reach ensures you have legal support regardless of your current post.
- Deep SCRA & MLA Expertise: General practice lawyers often miss the nuances of military law. We possess deep experience specifically in the acts that protect Service Members.
- Aggressive Advocacy: We do not simply file paperwork; we aggressively stand up to banks, landlords, and debt collectors who attempt to take advantage of military personnel.
- Career Protection Focus: We understand that financial disputes can threaten security clearances and rank. We handle your case with the discretion and urgency required to protect your career.
Accessible Legal Counsel: We break down complex statutes into plain English, ensuring you understand your rights every step of the way.