Okay, today my LCDR finished up my package to mail ou. My choices are Pilot, Intel. and Crypto. The LCDR told me that because I have a 339 dollar debt that hasn't been paid that crypto. is pretty much out b/c you have to be squeeky clean. My question is, are my alright for the other designators? I refuse to pay the debt because it is bogus. The guy was a scam artist and I explained that on my sheet but she said they will still see the debt and think of it as unpaid. What should I do? Will a measely 339 dollars affect the other designators or just crypto? My Recruiter doesn't think it will matter and the LCDR said it will for Crypto. but did not say about the others. Any comments or advice?
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Small debt question
- Thread starter E6286
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I don't fully agree that the debt will disqualify you. You will be asked if you have ever had an account turned over for collections. If the answer is yes, you will have to explain why. In the case of a valid dispute, the investigators have common sense. I've had an account turned over to collections, and it was disputed. I had to write a memo explaining why the account was not paid, but it didn't prevent me from getting my clearance (enlisted Intelligence Specialist). It sounds like the same type of issue. Mine was a matter of principal (the company was not providing the advertised service).
Unless your LCDR is a Cryptology Officer, I'm with the recruiter (I can't believe I said that...).
Unless your LCDR is a Cryptology Officer, I'm with the recruiter (I can't believe I said that...).
Okay, so it has been turned over to collections and I believe that the company will report it to the credit bureau, so, how do I dispute it? I mean it is only 339 dollars and I agree with you, it is a matter of principal. The service provided was not what was promised and the bastard doesn't even deserve the money he already got from me in the beginning. I just don't want this to affect my chances of becoming an aviator, intel. officer, or crypto. officer. Thanks, Ed
P.S. The LCDR is not a crypto officer, however, she does have 24 years of service (both enlisted and officer) under her belt. Thanks, Ed
P.S. The LCDR is not a crypto officer, however, she does have 24 years of service (both enlisted and officer) under her belt. Thanks, Ed
If the collection agency contacts you, tell them why you do not feel it is a valid debt. Some companies will pursue it, others will not. If they pursue it, and place it on your credit report, you have the right to add a comment to your credit report, and explain the issue. You don't necessarily have to, but it would let anyone looking at the report know what's up (I think you have to resubmit this every year or so to keep it on there).
I had one collections company call, I explained the issue, and they dropped it. 3 or 4 years later the original telecommunication company was bought, and the new owner turned it over to collections again. This company didn't care about the circumstances, and put it on my credit report.
Like I said, when the question comes up answer it, and be prepared to explain why.
(side note: I'm not saying I know more than the LCDR. If it does come down to selection or non-selection, you may consider paying the bill, as painful as it may be to do it. I've wasted $400 on dumber things
I had one collections company call, I explained the issue, and they dropped it. 3 or 4 years later the original telecommunication company was bought, and the new owner turned it over to collections again. This company didn't care about the circumstances, and put it on my credit report.
Like I said, when the question comes up answer it, and be prepared to explain why.
(side note: I'm not saying I know more than the LCDR. If it does come down to selection or non-selection, you may consider paying the bill, as painful as it may be to do it. I've wasted $400 on dumber things
Ok, two sides here for me. The prior Legal Officer in me wonders what the contract or agreement was that you signed, were the terms satisfied/unsatisfied. Were you exchanging services or was it property/commercial goods? If this is something that you want to fight (and feel you could win), then I would stop at just monkeying around with this guy, and in turn his collection agency. For military members, it is easy, I had a case like this when I was E5, and I went to Navy Legal Service Office (NLSO), and the JAG LT there listened to my info, read my paperwork, and then picked up the phone, called the company, and reamed them a new one. He offered to follow it up with a letter if they continued to bother me, but they dropped it all, and it never showed up on my credit report. Moral to this story, lawyers (third parties) work in your favor also.
Second thing, when we are talking about credit reports, definitely take the time to (1) review it often, and (2) avail yourself of contesting any spurrious entries.
Second thing, when we are talking about credit reports, definitely take the time to (1) review it often, and (2) avail yourself of contesting any spurrious entries.
A legal officer is one of two things. At a large command, the legal officer is probably a Navy JAG officer, and no he probably DIDN'T fly F-14s first. At a smaller command like a squadron, the Legal Officer is usually a collateral position held by an officer of the command. In either case the LO's job is to advise the CO on legal matters such as how to handle a Captain's Mast or other punishment issue. They also advise on things like how to make sure the command's money is spent legally on supplies and equipment. A collateral duty LO usually acts as the liason with Navy Legal Services in a situation where the services of a licensed lawyer is needed.
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