Credit and debt counseling for military members

Help with eliminating and paying debt, including credit card debt and medical debt.
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Jeff_Sessions
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Credit and debt counseling for military members

Post by Jeff_Sessions » Sun Apr 22, 2012 2:51 pm

I'm writing in hopes of advise and direction regarding a grant, hopefully. I've been in the Navy (active duty) for almost 10 years. My wife and I have suffered some financial hiccups over the years but were on the road to recovery up until a couple of months ago when my father passed away. To cover our travel costs and her funeral expenses, we went to Navy Relief for assistance and they did in fact assist with the finances. The big difficulty now is that the Navy Relief program policy requires their loans be payed back over a 10 month period, requiring us to pay right at $600 per month. I have confronted all family members requesting help with the debt but this yielded minimal results. Sadly, family isn't as close or dependable as it once was. To add to our situation, I recently attempted to renew our vehicle registration and learned that I owe roughly $400 to the state of Virginia due to my wife's name (non military) being on the registration. If it had been my name alone I could have claimed the military exemption but, it's too late for any change to help this situation as the fees are for the past year. Hindsight is 20/20 I guess. So right now, I have one vehicle that is unusable due to it's registration being expired and the second with a registration expiring in a couple of months. Currently, we live in Virginia. However the military may transfer us in the future. This brings about it's own unique costs and stresses. The Navy does pay for the move but not other costs involved such as all the wrap up cleaning and minor repairs to the home we're moving out of. I know it seems that I'm asking for a big hand out... I guess I am. It really goes against my grain to ask for help, especially to this magnitude, but it feels like the last couple of months have created the "perfect storm" and we're right in the middle of it. As I said before, we were on a good path to having our finances straightened out and now we are struggling to keep our heads above water. I do not want to slide back where we were with late payments, collection agencies, etc... Thank you for your time. Any assistance offered will be hugely appreciated.

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Re: Credit and debt counseling for military members

Post by Greeny » Tue Dec 10, 2013 11:47 am

My husband and I are slipping behind. We are beyond the point of pinching pennies to get by. We have no substantial deposit, we drive old paid for cars. We pay a mortgage of $1220 per month and Day Care is $320 per week. We need help. We just can't save or budget. We honestly have no way to pay our bills. What can we do? Maybe counseling? I don't know what to do or where to turn to. We are both in the military. We both work full time at good jobs. We don't want to move from our home. Please help us.

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Re: Credit and debt counseling for military members

Post by Admin » Sat May 24, 2014 12:03 am

The federal government does offer free advice and debt counseling for military members. They are also for Navy members too, and the main program is Military One Source. It is offered in all states, including Virginia, from both local offices and there are also phone consults if that is what you want. They can make sure you get back on the right path in improving your finances. Read more on OneSource. http://www.needhelppayingbills.com/html ... ogram.html

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