Protecting Your Financial Security While You Focus on Service

Military service requires undivided attention—especially during deployments, extended training, and demanding duty cycles. The Servicemembers Civil Relief Act (SCRA) exists to ensure that civilian financial obligations do not unfairly burden military personnel during these periods.

Despite these protections, Mississippi servicemembers continue to face unlawful repossessions, improper interest charges, foreclosure attempts, and civil actions filed without required notice. Military Justice Attorneys, a team of former Marine Corps Judge Advocates, helps service members stop these violations and pursue justice. Working with an SCRA lawyer in Mississippi ensures your rights are protected and your command readiness is not disrupted by financial misconduct.

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What Is the Servicemembers Civil Relief Act (SCRA)?

The SCRA is a federal law that shields active-duty servicemembers—and qualifying Reserve and National Guard members—from certain legal and financial actions while they serve. The Servicemembers Civil Relief Act is enforced by the U.S. Department of Justice, which investigates lender violations and brings civil enforcement actions on behalf of servicemembers.

Official DOJ guidance is available at https://www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra. These protections, enforced by the Department of Justice and outlined in Department of Defense SCRA guidance, include:

  • Interest rate caps on pre-service loans
  • Protection against default judgments
  • Delayed civil proceedings
  • Restrictions on repossession without a court order
  • Protection from wrongful foreclosure or eviction

A knowledgeable SCRA attorney in Mississippi can help determine which protections apply to your situation and take quick action if your rights have been violated.

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

  • Immediate Intervention to Stop Unlawful Actions - An attorney can halt repossessions, prevent civil judgments, and demand compliance with federal law from lenders and creditors.
  • Assessment of Eligibility and Protection Scope - An SCRA attorney in Mississippi reviews your service orders, loan documents, and creditor communications to identify violations and outline your full range of protections.
  • Pursuit of Compensation for Violations - When lenders ignore the SCRA, you may be entitled to damages, corrected credit reports, fee refunds, and reversal of unlawful actions.
  • Representation Against Large Banks, Leasing Companies, and Debt Collectors - Creditors often rely on servicemembers not understanding their rights. Having an experienced attorney ensures you are not outmatched or pressured into unfair agreements.
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Is SCRA Protection Relevant to My Situation?

SCRA protections apply to active-duty servicemembers stationed in Mississippi or deployed elsewhere, as well as certain activated Reservists and National Guard members. You may need legal assistance if you have experienced:

  • Interest rates above 6% on pre-service loans
  • Threatened or completed vehicle repossession
  • Foreclosure or eviction actions
  • Civil lawsuits filed without proper service
  • Denied requests for lease termination related to PCS or deployment
  • Aggressive collection tactics during active duty

Many SCRA violations occur because creditors fail to verify military status through the Department of Defense Manpower Data Center (DMDC). Lenders are required to check this system before taking adverse action. The DMDC SCRA verification portal is available at https://scra.dmdc.osd.mil/. If any creditor, landlord, or financial institution has disregarded your service status, speaking with an SCRA attorney in Mississippi is an essential step toward restoring your rights.

Former Military Judge Advocates United By Service

Our attorneys 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 Service Verification

Your attorney reviews orders, loan documents, creditor correspondence, and credit reports to verify eligibility and identify violations of SCRA protections.

2. Formal Notification to the Creditor

Your attorney issues notice requiring lenders or landlords to halt unlawful actions, reverse improper charges, and comply with federal requirements.

3. Evidence Development and Enforcement Strategy

Your attorney gathers documentation, payment records, communications, and public reports to build a strong case for compensation or corrective action.

4. Resolution or Litigation

If the creditor refuses to comply, your SCRA lawyer in Mississippi may pursue damages, attorney fees, and corrective measures through federal litigation—consistent with DOJ-enforced SCRA standards.

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After Your SCRA Case What Comes Next

Even after a resolution, servicemembers may face lingering credit issues or repeated noncompliance from lenders. Your attorney can help monitor compliance, prepare future notices for deployments or PCS orders, and assist with additional financial concerns tied to your service.

Military Justice Attorneys remains committed to protecting your 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?

Extensive Knowledge of Military and Federal Protections

As former Marine Corps Judge Advocates, our attorneys understand both the operational demands of military life and the civilian financial pressures servicemembers face.

Proven Advocacy for Mississippi Servicemembers

We have held lenders and financial institutions accountable for violations—recovering compensation, reversing unlawful actions, and restoring credit integrity for our clients.

Dedicated Support at Every Step

Clients receive direct access to an attorney, clear communication, and a strategic, team-based approach built around your rights and readiness.

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

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SCRA in Mississippi FAQs

Does SCRA protection apply if I'm deployed overseas but live in Mississippi?

Yes. Your physical location does not affect eligibility. Protections apply as long as you are on qualifying active-duty orders.

Can a lender repossess my vehicle without a court order?

No. Repossession without a court order is unlawful under the SCRA if the loan was obtained before active-duty service.

Does the 6% interest rate cap happen automatically?

No. You must submit written notice and documentation. An attorney can assist with proper filing and enforcement.

What if a lawsuit was filed against me while I was deployed?

Default judgments entered without proper military service verification often violate the SCRA and may be overturned.

Can I recover financial damages for an SCRA violation?

Yes. Depending on the severity, compensation, attorney fees, and corrective measures may be available.

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Protect Your Rights Under Federal Law

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

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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