A Practitioner’s Guide to Representing Veterans and Servicemembers in Bankruptcy

Ashley F. Morgan, Founder | Ashley F. Morgan Law, PC

Ashley F. Morgan is a bankruptcy and debt attorney, nationally recognized consumer finance expert, and founder of Ashley F. Morgan Law, PC in Northern Virginia. With a practice centered on helping individuals, small business owners, and high-income households navigate complex financial challenges, Ms. Morgan combines deep statutory knowledge with a client-first approach, empowering people to make strategic, informed decisions about debt, asset protection, and long-term financial stability.

• Education & Credentials

Ms. Morgan is admitted to the Commonwealth of Virginia Bar and licensed to practice in the U.S. District Court, the U.S. Bankruptcy Court for the Eastern District of Virginia, and the U.S. Court of Appeals for the Fourth Circuit. She is fluent in both English and Spanish.

• Recognition & Leadership

Ms. Morgan has been recognized as a SuperLawyers Rising Star (2021–2023, 2026), Virginia Business Legal Elite, and has received honors from Northern Virginia Magazine, Arlington Magazine, and Avvo Client Choice. She currently serves as President-Elect of the Northern Virginia Bankruptcy Bar Association (NVBBA), where she also serves on the board and previously served as Secretary.

• Professional Involvement

Ms. Morgan is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), the American Bankruptcy Institute (ABI), the International Women’s Insolvency & Restructuring Confederation (IWIRC), and the American Bar Association Tax Section. She serves on the Virginia Bar Association Bankruptcy Section Council, the Bankruptcy Bar Liaison Committee for Alexandria, and the Administrator of the EDVA Consumer Bankruptcy Listserve. She previously served on the Eastern District of Virginia Non-Mega Case Subcommittee on Local Rules.

• Experience

Ms. Morgan’s practice covers Chapter 7 and Chapter 13 bankruptcy, tax debt resolution, creditor negotiations, and non-bankruptcy alternatives. She regularly presents continuing legal education programs for attorneys nationwide on bankruptcy, taxes in bankruptcy, and consumer financial strategy including programs through BARBRI/Strafford, the ABA, and NACBA. Her commentary and expert analysis have been featured in Fortune, Forbes, U.S. News & World Report, HuffPost, Credit Karma, Newsweek, Yahoo Finance, Refinery29, and more.

Keith S. Anderson, Partner | Bradley Arant Boult Cummings LLP

Keith S. Anderson is a litigation partner at Bradley Arant Boult Cummings LLP and a nationally recognized authority on financial services defense, with particular depth in Servicemembers Civil Relief Act (SCRA) compliance and litigation. Representing financial institutions, mortgage lenders and servicers, auto-finance companies, and student loan services across the country, Mr. Anderson brings a rare combination of military service, federal regulatory experience, and courtroom acumen to every matter he handles.

• Education & Credentials

Mr. Anderson earned his J.D. from The Ohio State University in 2004, graduating with Honors and Order of the Coif, and serving as Articles Editor of the Ohio State Law Journal. He holds a B.S. from the United States Air Force Academy, earned with distinction in 1998. He is licensed in Minnesota, Texas, Georgia, Alabama, and Ohio, and is admitted to practice in numerous U.S. District Courts across those states.

• Recognition & Leadership

Mr. Anderson has been recognized as an Alabama Super Lawyers Rising Star in Employment & Labor (2013–2015), named to the Birmingham Business Journal’s Veterans of Influence list (2019), and listed in the Lawdragon 500 Leading U.S. Corporate Employment Lawyers (2026). He serves as Chapter President of the U.S. Air Force Academy Association of Graduates.

• Professional Involvement

Mr. Anderson is a member of the Alabama Bar Association, the Mortgage Bankers Association, the Defense Research Institute, and the Conference on Consumer Finance Law (CCFL). He serves as an Affiliate Member of the Education Finance Council and has served as a speaker at the American Conference Institute’s Residential Mortgage Litigation & Regulatory Enforcement Seminar.

• Experience

Prior to joining Bradley, Mr. Anderson served as a Judge Advocate in the U.S. Air Force, handling dozens of court-martials and administrative boards as both prosecuting and defense counsel experience that informs his deep understanding of servicemember rights and SCRA obligations. In private practice, he has represented Wells Fargo in a DOJ consent order related to SCRA violations and auto repossessions (United States v. Wells Fargo Dealer Services, C.D. Cal.), obtained dismissal of an SCRA putative class action (Murphy v. Bank of America, N.D. Ala.), and secured summary judgment in an SCRA matter prior to trial (Celestin v. Specialized Loan Servicing, S.D. Fla.). His broader practice encompasses TILA, RESPA, FDCPA, FCRA, wrongful foreclosure, predatory lending, class actions, and bankruptcy adversary proceedings, as well as employment defense under the FLSA, ADA, ADEA, and FMLA.

SESSION 1 – The Legal Landscape: SCRA, HAVEN Act & Federal Protections | 1:00pm – 2:00pm

Master the statutory framework protecting veterans in bankruptcy covering the HAVEN Act’s restructuring of The Chapter 7 means test, SCRA core protections, and the open interpretive questions practitioners encounter in court today.

BREAK | 2:00pm – 2:10pm

SESSION 2 – Debtor’s Counsel Strategies: From Intake to Discharge | 2:10pm – 2:40pm

Build a complete practice toolkit for representing veteran clients from military status screening and CMI computation to chapter selection, security clearance counseling, government debt analysis, and maximizing SCRA protections as a debtor-side tool.

SESSION 3 – Creditor’s Counsel Playbook: Compliance, Liability & Litigation Strategy | 2:40pm – 3:10pm

Navigate every obligation that creditors face when a protected servicemember is on the other side including SCRA compliance, military status verification, violation exposure, bankruptcy participation strategy, and institutional compliance program design.