Protecting Your Financial Security While You Serve

Active-duty military service comes with intense responsibilities, and financial burdens should not be one of them. When lenders push for repossession, foreclosure, excessive interest, or legal action, the stress can quickly overwhelm even the strongest service member.

The Servicemembers Civil Relief Act (SCRA) exists to prevent these situations. Military Justice Attorneys—an all-attorney team of former Marine Corps Judge Advocates—helps Kentucky service members stop unlawful creditor actions and secure the protections they earned.

Whether you’re deployed, preparing for training, or navigating a major transition, working with an experienced SCRA lawyer in Kentucky ensures your rights are enforced and your livelihood remains protected.

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What Is the Servicemembers Civil Relief Act (SCRA)?

The Servicemembers Civil Relief Act is a federal law that provides financial and legal protections to active-duty personnel and certain Reserve and National Guard members. The statute itself is codified at 50 U.S.C. §§ 3901–4043 and is publicly available through Cornell Law School at https://www.law.cornell.edu/uscode/text/50/chapter-50. These protections limit interest rates, pause certain civil actions, and prohibit lenders from repossessing vehicles or foreclosing on homes without a court order. The U.S. Department of Justice provides official guidance on SCRA enforcement and common violations at https://www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra. The Department of Defense also publishes SCRA compliance guidance for service members and creditors, including eligibility standards, at https://www.defense.gov/Resources/Service-Members-Civil-Relief-Act/. A Servicemembers Civil Relief Act attorney in Kentucky can help you understand how these protections apply to your situation and take swift action when lenders fail to follow the law.

The Benefits of Working With a Military Defense Attorney for SCRA Violations

  • Immediate Intervention to Stop Unlawful Actions - An attorney can halt repossessions, foreclosure attempts, and debt collection efforts while ensuring creditors comply with federal SCRA requirements.
  • Clear Assessment of Your Rights and Eligibility - A Servicemembers Civil Relief Act attorney in Kentucky reviews your active-duty status, loan dates, and financial documents to determine which protections apply and how to enforce them.
  • Financial Restitution When Your Rights Have Been Violated - If a lender violates the SCRA, your attorney can pursue compensation, corrected credit records, and penalties against the creditor for unlawful conduct. Federal remedies and enforcement authority are outlined by the DOJ at https://www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra#enforcement.
  • Representation Against Large Financial Institutions - Whether dealing with national banks, auto lenders, landlords, or debt collectors, an attorney ensures you are not outmatched or intimidated by corporate legal teams.
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Is the SCRA Relevant to My Situation?

The SCRA applies to service members stationed in Kentucky or deployed worldwide.

You may need legal support if you’ve experienced threatening collection letters, repossession attempts, foreclosure notices, or interest charges above the law's 6% cap.

Many violations occur because lenders fail to check service status through the Department of Defense Manpower Data Center (DMDC), which lenders are required to use and which service members can access at https://scra.dmdc.osd.mil/scra/. If any creditor refuses to honor SCRA protections—or you believe your rights were violated—a Servicemembers Civil Relief Act attorney in Kentucky can help you evaluate your options and act quickly.

Former Military Judge Advocates United By Service

Our SCRA lawyers are all former military officers who served on active duty. We work as a team on your case, leveraging each of our attorneys’ unique perspectives and vast experience to win on your behalf.

Gerry Healy

Owner and Founder

Gerry founded Military Justice Attorneys to provide service members with principled, trial-tested defense rooted in firsthand experience inside the military justice system.

  • Former Judge Advocate in the U.S. Marine Corps
  • Recognized Criminal Defense Attorney and Litigator
  • Represents Military Community in Complex Mass Torts
Gerry Healy

Josh Hill

Managing Partner

Josh oversees the firm’s military justice practice, bringing a strategic and detail-driven approach to complex litigation, appeals, and high-stakes administrative matters.

  • Former Military Prosecutor and Defense Counsel
  • Admitted to Practice in all Military Appellate Courts
  • Burton Award for Distinguished Legal Writing
Josh Hill

Chip Hodge

Partner

Chip draws on senior-level military justice experience to advise and defend service members facing courts-martial, investigations, and career-altering administrative actions.

  • Retired Marine Lieutenant Colonel
  • Served as Deputy SJA, Marine Forces Reserve
  • Deployed to Afghanistan in Support of OEF
Chip Hodge

Paul represents contractors injured while working overseas in support of US agencies and forces, combining significant litigation experience with a deep commitment to helping injured workers.

  • Former Major in the U.S. Marine Corps
  • Admitted to the Bar in South Carolina, Georgia, and Illinois
Paul Murray

Jon Shelburne

Senior Counsel

Jon brings decades of courtroom and appellate experience, focusing on serious criminal allegations and complex military justice matters worldwide.

  • 30+ Years of Trial Experience
  • Co-Chair, Veterans Committee for Texas Criminal Defense Lawyers Association
Jon Shelburne

Amy Thomas

Of Counsel

Amy provides strategic counsel on military and employment-related matters, informed by senior leadership experience and advanced legal training.

  • Retired Lieutenant Colonel in the U.S. Marine Corps
  • Master's in Jurisprudence in Labor & Employment Law
Amy Thomas
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The SCRA Enforcement Process What to Expect

1. Case Review and Verification of Active-Duty Status

Your attorney examines your service records, deployment dates, contracts, and lender communications. This review determines eligibility and identifies any violations under the standards set by the Department of Justice and DoD SCRA guidance.

2. Formal Notification to the Lender

Your attorney contacts the lender, demands compliance with the SCRA, and requires cessation of unlawful actions. This may include applying interest rate reductions, reversing fees, or stopping repossession or foreclosure processes.

3. Evidence Development and Legal Enforcement

If a violation occurred, your attorney gathers financial records, correspondence, statements, and documentation showing harm. This evidence is essential for pursuing financial restitution or injunctive relief.

4. Resolution Through Settlement or Litigation

If the lender refuses to comply, your SCRA lawyer in Kentucky may pursue legal action in federal court. Remedies may include monetary damages, attorney fees, corrected credit reports, and reversal of unlawful acts.

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After Your SCRA Case What Comes Next

Even after enforcement or correction, lenders may continue to make errors or fail to apply benefits going forward. Your attorney can help monitor compliance, assist with future creditor interactions, and review contracts for ongoing protection.

For service members with repeated deployments or frequent PCS moves, periodic legal review can prevent future violations. Military Justice Attorneys remains available to help protect your long-term financial stability throughout your military career.

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Client Testimonials Their Words. Their Cases. Their Results.

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"The Government Came to Bury Me, Josh Hill Buried Their Case Instead"

If you’re reading this review,...

"If you’re reading this review, there’s a fair chance you’re in trouble with the military. The answer is YES—hire Josh Hill. He is worth every penny and more. Don’t gamble with your VA benefits, your military pension, or your freedom. You only get one shot at defending your future. Trust me, this is the guy you want in your corner. When I first hired Josh Hill as my civilian military lawyer, I was staring down a mountain: 28 specifications across 6 charges in a military court-martial. The government basically made a giant mud ball, threw it at the wall, and waited to see what would stick. The stakes couldn’t have been higher—my freedom, my career, my reputation, and my benefits were all on the line. But from day one, Josh brought unmatched experience, surgical strategy, and a level of confidence that gave me hope when I needed it most. Josh Hill is a master of his craft. He navigated the UCMJ like a seasoned warrior—dissecting every allegation, exposing every weakness in the government’s case, and challenging every false assumption thrown my way. His preparation was meticulous, his presence in court was commanding, and his cross-examinations were absolutely relentless. He left no stone unturned and no argument unanswered. Because of Josh’s leadership, we went from what felt like an impossible situation to walking out of that courtroom not guilty on all charges. That wasn’t just a win—it was a total and complete vindication. And it’s 100% because of Josh Hill’s commitment, brilliance, and refusal to let the government steamroll me. Josh Hill didn’t just defend me—he saved my life. I will forever be in his debt for the sacrifices he made and the time he dedicated to my case. One last note: When he calls—ANSWER IT. Drop what you're doing, it can wait. That phone call might be the one thing that changes your future. If you want to hear my story firsthand, Josh has my permission to give you my contact info. I’ll gladly tell you exactly how he absolutely destroyed the government’s case, so I can continue with my life."
-STAFF SERGEANT, USMC

"He is an articulate pitbull in the courtroom."

My career, my life, my futu...

I know Mr Healy quite well. He represented me in a case where the odds were stacked against me. This was the most difficult time of my life considering some other circumstances that were added on. However, he fought for me tooth and nail even though his caseload was very high at the time. It seemed he devoted every ounce of effort to find me justice and in the end, because of his efforts, I was fully acquitted of several charges.

I will never forget that feeling for as long as I live. Upon the announcement of the verdict I nearly collapsed. My career, my life, my future was completely in his hands and he took it as seriously as I did. He is an articulate pitbull in the courtroom. I highly recommend his services if you expect to have any chance of seeing the justice you truly deserve.

-Corporal, USMC

"Mr. Hodge was relentless in his defense of me"

Mr. Hodge was relentless in hi...

Mr. Hodge was relentless in his defense of me . . . and absolved me of any wrongdoing under the UCMJ.
-Corporal, USMC

"His dedication to me as a client was unprecedented."

Josh is a hard nosed and dedic...

Josh is a hard nosed and dedicated attorney that will stand by you every step of the way in your defense. His dedication to me as a client was unprecedented.
-Staff Sergeant, USA

"I would hire them again in a heartbeat."

Gerry and Josh are absolute pr...

Gerry and Josh are absolute professional monsters in the courtroom. I would hire them again in a heartbeat and wouldn’t want anyone else in my corner!
-Private First Class, USA

"I trusted him with my career on the line, and he was outstanding."

Mr. Hill tore apart the govern...

Mr. Hill tore apart the government's theory piece by piece . . . I trusted him with my career on the line, and he was outstanding.
-Petty Officer Third Class, USN

"I would not want my fate in anyone else’s hands."

Gerry Healy is an outstandi...

Gerry Healy is an outstanding attorney. In the courtroom he is confident, knowledgeable, and aggressive. I would not want my fate in anyone else’s hands.
-Airman First Class, USAF
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Why Choose Military Justice Attorneys?

Deep Military Justice Experience

Our former Marine Corps Judge Advocates understand the legal, financial, and operational challenges service members face and have extensive experience enforcing federal protections under the SCRA.

Proven Results and Strategic Advocacy

We have held lenders accountable for unlawful actions, secured compensation for service members, and ensured creditors comply with all federal obligations.

Dedicated Support for Active-Duty Personnel

Clients receive direct access to an attorney, tailored guidance for their branch and circumstances, and a team-based approach built on precision and professionalism.

Together, these strengths make Military Justice Attorneys a trusted SCRA attorney in Kentucky for service members seeking financial protection and justice.

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SCRA Attorney Serving Kentucky FAQs

Does the SCRA apply if I’m stationed in Kentucky but deployed overseas?

Yes. SCRA protections remain in place regardless of where you are physically located, as long as you are on qualifying active-duty orders.

Can a lender repossess my vehicle without a court order?

No. If the loan was entered into before active duty, a court order is required. Any repossession without one may violate the SCRA.

Can I request the 6% interest rate cap at any time?

Yes. Once you provide proper notice and documentation, lenders must retroactively adjust interest to 6% for the duration of your service period.

What if a lender refuses to acknowledge my active-duty status?

Your attorney can intervene, provide DMDC verification, and enforce penalties for noncompliance with federal law.

Can I pursue damages if my rights were violated years ago?

Often, yes. Many SCRA cases involve retroactive compensation, corrected records, or reversal of unlawful actions discovered long after they occurred.

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Protect Your Rights Under Federal Law

Schedule your confidential consultation today and speak with an experienced Servicemembers Civil Relief Act lawyer in Kentucky about enforcing your SCRA protections.

Contact Us When Your Future Is On The Line

Our decentralized approach to military defense ensures that we can represent service members from any branch of the military, of any rank, at any military base or installation stateside or abroad.

Available 24/7 to Help Anyone in the World

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