Protecting Your Financial Rights While Serving Overseas

Service members assigned to installations across South Korea often face significant financial strain during high-tempo operations and rapid moves. Whether stationed at Camp Humphreys, Camp Casey, Camp Stanley, Camp Hovey, or Yongsan Garrison, many encounter creditors who fail to honor Servicemembers Civil Relief Act (SCRA) protections.

Others serving at Camp Carroll, Camp Walker, Osan Air Base, Kunsan Air Base, K-16 Air Base, or USAG Daegu experience similar misconduct from lenders, landlords, or collectors. Military Justice Attorneys (MJA), a team of former Marine Judge Advocates, enforces these protections and corrects unlawful financial actions before they affect your career.

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What Is the SCRA?

The Servicemembers Civil Relief Act protects active-duty personnel by limiting certain creditor actions and ensuring fair treatment during service. These rights include reduced interest rates, protection from repossession, relief from default judgments, and lawful lease termination options.

Lenders are required to verify service status through the Defense Manpower Data Center at https://www.dmdc.osd.mil/appj/scra, and federal enforcement guidance appears through the Department of Justice at https://www.justice.gov/servicemembers.

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

  • Immediate Action to Stop Creditor Misconduct. We intervene quickly when lenders threaten repossession, deny protections, or impose unlawful fees.
  • Accurate Interpretation of Complex Protections. We ensure creditors comply with interest rate caps, termination rights, and notification rules.
  • Representation Tailored to Overseas Realities. Time-zone gaps, limited communication, and rapid operational changes often contribute to SCRA violations in South Korea.
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Is the SCRA Relevant to My Situation?

SCRA protections apply when military service affects your ability to manage financial obligations. Servicemembers in South Korea commonly face violations involving vehicle loans, credit cards, housing leases, storage contracts, or collection attempts.

Signs of potential violations include refusal to adjust interest rates, unauthorized repossessions, denial of lawful lease termination, or lawsuits filed without proper military-status verification. If any of these issues surface, early legal assistance is essential.

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

Step One: Review of Orders, Status, and Creditor Communications

We examine your service status, PCS or deployment orders, loan documents, and all creditor correspondence. This helps us identify which protections apply. Certain procedural standards appear in DoD materials at https://www.esd.whs.mil/DD/.

Step Two: Formal Notification to the Creditor

We contact the lender directly, provide documentation of your active-duty status, and demand immediate compliance. Many cases resolve once creditors recognize their legal obligations.

Step Three: Correcting Violations and Preventing Future Harm

We work to reverse unlawful actions such as repossessions, incorrect interest charges, or improper legal filings. When necessary, we escalate matters using enforcement standards referenced by the Department of Justice.

Step Four: Long-Term Protection and Monitoring

After resolving the immediate issue, we help ensure your rights remain protected during future deployments, moves, or exercises. This may include preparing proactive documentation or reviewing financial agreements before transitions.

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After Your SCRA Case What Comes Next

Even after violations are corrected, many servicemembers deal with continued fallout, including inaccurate credit reporting, unresolved loan balances, or issues securing essential services abroad. These complications can undermine readiness and personal stability. MJA assists with follow-on credit disputes, lender communications, and documentation needed for future PCS or deployment cycles. Our mission is to restore financial stability and prevent repeated violations.

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

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"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 attorneys are former Marine Judge Advocates with extensive experience enforcing federal protections for servicemembers. We understand how SCRA violations intersect with operational demands and command responsibilities overseas.

Proven Results and Strategic Advocacy

We have resolved unlawful repossessions, corrected improper loan terms, and compelled compliance from creditors who ignored their obligations. Our advocacy is disciplined, evidence-driven, and designed to protect career longevity.

Dedicated Support for Servicemembers in South Korea

We provide clear communication across time zones, direct access to attorneys, and consistent guidance from the first consultation to final resolution. Our representation ensures you are never navigating financial threats alone. We deliver mission-focused advocacy that restores confidence, stability, and fairness.

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SCRA Attorney Serving South Korea FAQs

Can I terminate a lease in Korea due to PCS or deployment orders?

Yes. With proper notice, the SCRA allows lawful termination of housing or vehicle leases, and landlords must comply regardless of your overseas assignment.

Can a creditor repossess my vehicle while I’m overseas?

Not legally without a court order. Unauthorized repossession violates federal law and may require corrective action or compensation.

Does the SCRA automatically cap interest rates at six percent?

No. You must provide documentation of active-duty service, but once submitted, creditors must adjust rates.

What if a creditor files a lawsuit in the U.S. while I’m in Korea?

Courts must verify military status before entering a judgment. If they fail to do so, the judgment may be invalid.

When should I contact a military SCRA attorney?

Immediately when a creditor refuses protections, demands payment you do not owe, or threatens repossession or legal action.

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Protect Your Rights and Your Financial Security

Financial stress should not distract you from your duties. Contact Military Justice Attorneys today to schedule your confidential consultation with a former Marine Judge Advocate.

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.

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