While you have the rights there, quite often I have seen PSD (Navy) drop the ball on informing you that you have a collection coming while there is still time to fight it.
I'd say out of 8 or 9 cases I handled when I was a divo, all but 2 never got notice, until their NPA/LES a week prior showed no pay or minimal pay due. By then, its too late to fix in time for payday.
Also, 5 of the guys did not owe the money, it was just a paperwork SNAFU at PSD. They did the paperwork properly, and it sat in some GS's desk and died there. I have noticed personally, that when trying to make sure stuff was done correctly (DLA Claim, BAH Claim) it's like meeting the great wall of beauracracy.
The 5 who were in the right, got their money back.. But lets face it, a large number of people in the service ARE living paycheck to paycheck. And no, Officers' are not immune to it either..
They got what was due to them, but not after having their lives turned upside down.. Thank god Captain Kennedy (USN-RET) at the Mayport NMCRS office was very understanding an normally would cut them a check for what their pay would have been.