Nationwide Debt Reduction Services
Nationwide Debt Reduction Services, The Fastest Growing Debt Elimination Company In America Today!
- Allow Us to Help You Reduce Your Debt
- Not Consolidate Your Debt
- We’ll show you the difference!
The Main difference between a debt consolidation company and a nationwide debt reduction company is the total amount of debt you end up paying to the creditor.
For example, if you use a debt consolidation company, you will pay back your entire debt, plus interest, and usually a monthly administration fee.
At Nationwide Debt Reduction Services, we help individuals reduce their debt by negotiating down the principal you owe with your creditors, often times at 40% – 60% below what you owe.
For a person who owes $20,000 in unsecured debt, it will take approximately seventeen plus years to pay that off through a debt consolidation company.
With Nationwide Debt Reduction Services, we would cut that principal, as well as the monthly payments down, while still getting you out of debt in three years or less. It is all done through negotiation.
Although we can negotiate all types of debt, the most common is credit card debt. In fact the average American Family today has 5-10 credit cards, with a total balance of $18,450.
Making a little more than minimum monthly payments or 4% of the balance on $18,450 would take you 208 months or 17.3 years to pay off with a 18.9% APR. Total interest paid would be $11,890.87. Your total amount paid would be $30,340.87, and that is if you never used the cards again.
The Nationwide Debt Reduction Services Plan, is a hands-on solution that will help you:
- Cut your principal by 50% or more..
- Cut your current monthly payment by as much as half.
- Cut the time frame from about 17 years to an average of 3 years or less.
- Protect yourself, know your rights under the Fair Debt Collection Practices Act.
Stop creditor harassment
Many of your creditors are counting on the fact that you don’t know the collection laws.
They typically use this against you with tactics of intimidation and harassment, and it can make your life miserable.
Don’t let that happen to you! Many of their tactics are illegal, and we know how to help.
Our plan is based on your ability to comfortably make your payments each month. As your money builds in an account, we will approach your creditors and settle your debts for pennies on the dollar.
The Debt Consolidation Alternative
You can still consider one of the consumer credit counseling/non-profit organizations. This is a fairly well-advertised option and there are more than 2,000 such companies. With this option, you will repay the full principal and a get a break on the interest rate. The only benefit to this option is a reduction in interest costs. Whereas you would pay a total of 3 times the principal by making minimum payments on your own, you will pay the principal plus just a few thousand more in interest, saving you time and money. And though there’s a monthly contribution calculated (usually around $35), your monthly payments may be lower.
Most importantly, you should be aware that the credit card companies are the Number One contributors to these non-profit organizations (and actually helped set them up about 12 years ago when they saw credit card default on the rise). When working with a non-profit organization, please be aware you are working hand-in-hand with the creditor.
There are disadvantages to this option. One of the main aspects to know with this option is the impact it has on your credit. Most organizations automatically state on your credit report you are participating in their debt management program. It will show up immediately and stay there for 7 years after you pay off the debt. Many potential creditors view your participation in these programs in the same light as they view a Chapter 13 bankruptcy.
At Nationwide Debt Reduction Services, our purpose stems from assisting those who are in a legitimate hardship to get out of their debt situations, both ethically and completely. We use our unique debt negotiation and reduction process to help our clients get back on their financial feet. Nationwide Debt Reduction Services is dedicated to accomplishing this while providing you the highest quality of service.
- Reduce the principal of your debt by 25% to 50%
- Assistance with your rights under the Fair Debt Collections Practices Act, which include creditor harassment and nuisance phone calls.
- Avoid bankruptcy through resolution.
- By reducing the principal of your debt, you can literally save thousands of dollars in repayments.
- By enrolling in the NDRS program, you will enjoy tremendous peace of mind, knowing that you will be debt free in a set time period.
Our clients are typical everyday people, who through no fault of their own, have fallen into “The Debt Trap.” Many of these people have fallen into this hardship by extenuating circumstances such as: health problems, divorce, or loss of a job for example. We are here to help everyone.
Bankruptcy Types • Preventing Bankruptcy • What are the disadvantages of filing a Chapter 7 bankruptcy? • What are some advantages of filing a Chapter 7 bankruptcy? • Chapter 13 Bankruptcy • Misconceptions Regarding Bankruptcy
Overview of Bankruptcy
Bankruptcy is one way to help potentially get out from under your debt. Unfortunately, it leaves a long-lasting, somewhat nasty, scar, and comes at an often undisclosed high price – financially, emotionally, and socially. Bankruptcy is a long and painful process and the repercussions can last more than 10 years.
The financial impact is severe; a bankruptcy will stay on your credit report for 7-10 years. Each time you apply for some form of credit, whether it is a home, a car, a lease, or insurance, you can be impacted. Even employment can be impacted. The long-term effect of less savings due to higher rates may greatly outweigh the shorter-term impact of filing bankruptcy.
Most people do not realize that bankruptcy can stay on their court records for over 20 years – which means it can follow someone for the rest of their life. Your bankruptcy filing may be easily uncovered when you apply for a job, a loan, rent an apartment, or even insurance.
We have yet to find anyone who is proud of filing for bankruptcy. The 160-200 point credit score drop is horrifying enough, but the public record too? Most people will do anything to avoid filing bankruptcy, and for many clients, NDRS’s Debt Relief Program is the perfect bankruptcy alternative.
Bankruptcy should never be considered an easy or even quick fix, it’s not. It is a serious decision with even more serious consequences. Are you still considering bankruptcy? Contact a board certified lawyer to discuss this option.
NDRS’s “Debt Reduction Program” is by far the best alternative to bankruptcy. Their team of professional negotiators has one goal – to make your creditors accept our settlement amounts as payments in full, making you debt free without having to suffer the longer-term financial, emotional, and social impacts of a bankruptcy.
In the United States, bankruptcy is available for businesses or individuals who cannot afford to pay their debt. United States bankruptcy laws are defined in Article 1, Section 8, Clause 4 of the U.S. Constitution, which gives the U.S. Government rights to enforce “uniform laws on the subject of bankruptcies throughout the United States.”
There are two types of bankruptcy that an individual can file to excuse their debt from a creditor. They are a Chapter 7 bankruptcy and a Chapter 13 bankruptcy.
In a Chapter 7 bankruptcy, you are asking the court to completely eliminate all of your unsecured debt. In the U.S., there are five chapters of bankruptcy, each of which coordinates a different type of debt with varying solutions. The five chapters of bankruptcy are:
- Chapter 7: This chapter of bankruptcy is the most sought-after chapter of bankruptcy in the United States. Chapter 7 creates laws regarding liquidation – the sale of a business or individual’s assets in order to raise money to pay off debt. After Chapter 7 bankruptcy is filed, all nonessential or exemptible material is awarded to a third party trustee, who is responsible for liquidating these assets until debt can be paid.Chapter 7 is one option when involuntarily assigned bankruptcy.
- Chapter 9: Available only to municipalities, this chapter is used to help restructure the debt of cities, counties, and states. This chapter was famously used in 1994 by Orange County, California to relieve over $1.5 billion in debt.
- Chapter 11: Chapter 11 bankruptcy is available to all businesses and individuals in the United States, but is primarily used by corporations. While Chapter 7 requires a third party trustee to coordinate liquidation, Chapter 11 allows debtors to maintain control of their assets and restructure in order to raise money to pay any debt owed.
- Chapter 12: This chapter of U.S. bankruptcy code is available only to farmers, fishermen and their families. Chapter 12 was created in 1986, and was initially supposed to expire in 1993, but was continually expanded until being made permanent in 2005. Aside from its higher debt ceilings and more exemptions, Chapter 12 is very similar to Chapter 13.
- Chapter 13: Bankruptcy This chapter is designated for individuals and requires debtors to reorganize their assets under the supervision of a bankruptcy court. The bankruptcy court will provide the debtor with a rehabilitation program to pay back debt owed over time.
Chapter 7 Bankruptcy
In a Chapter 7 bankruptcy, you are asking the court to completely eliminate all of your unsecured debt.
What are the advantages of filing a Chapter 7 bankruptcy?
If you elect to hire an attorney, take the required classes on personal finances and file for a Chapter 7 bankruptcy:
- Your wages will stop being garnished if your creditors have started doing so.
- You may be able to remove some of the liens that have been placed against your property.
- All collections from creditors or collection agencies will cease.
What are the disadvantages of filing a Chapter 7 bankruptcy?
The most significant disadvantage of filing for Chapter 7 bankruptcy is the stain on your credit report for the next ten (10) years. Anything you do over that time period, such as applying for a job, applying for credit again, or buying a home will require you to bring up the wreckage of your past. You will have to explain to each employer and/or new creditor why you had to do this. It can be very depressing and demoralizing.
Other disadvantages include:
- Insurance companies can raise your premiums as you will be considered a “higher risk” than other people.
- The entire bankruptcy process is open to the public and can be very intrusive.
- It can take several months before your case is even resolved.
- In 2005 the bankruptcy laws were changed in favor of the credit card companies making it much more challenging to file for Chapter 7 bankruptcy.
- Employers can legally refuse to hire you if you have a bankruptcy on your record.
- The bankruptcy stigma will remain on your credit report for 10 years and can be overpowering.
Chapter 13 bankruptcy
The second form of bankruptcy is called a Chapter 13 bankruptcy. This is what the courts and creditors like to call a “reorganization” of your debt. In a Chapter 13 bankruptcy, you agree to pay off all of your obligations through a court-appointed trustee, over a five (5) year period.
Are there advantages to filing a Chapter 13 bankruptcy over a Chapter 7 bankruptcy?
There are some advantages to Chapter 13 bankruptcy:
- Like a Chapter 7 bankruptcy, all collections from creditors or collection agencies will cease.
- You will only need to make one monthly payment to the court trustee.
- You will be given the ability to pay back debts you have fallen behind on, such as student loans, car or mortgage payments, or any taxes owed to the IRS.
What are the disadvantages of a Chapter 13 bankruptcy?
Like a Chapter 7 bankruptcy, a Chapter 13 bankruptcy stays on your credit report for seven (7) years. As a result, all of the things we discussed, such as higher insurance premiums, job applications and filing a new credit application will be subject to the same derogatory remarks. In addition, with a Chapter 13 bankruptcy:
- You are required to pay back most of what you originally owed to the creditors, plus interest and whatever monthly fee the court trustee charges.
- Paying off all of your debt over a five (5) year period, without any negotiation being done on your behalf may prove impossible for you to complete.
- Employers are still able to legally disqualify your job application due to the bankruptcy.
- Records show that over 50% of all Chapter 13 bankruptcies filed are never completed by the participant.
Many people who are in what we call the “debt trap” are so full of stress they think that bankruptcy is their only alternative. Then, they talk to a bankruptcy attorney only to find out they do not qualify for bankruptcy, due to the new laws that the credit cards companies help force through a few years ago. There are multiple debt relief alternatives to filing for bankruptcy. One of the most popular options is a debt settlement program.
When first looking at bankruptcy, many people think, “Ah, I can get rid of all this debt and start my life anew.” Well, to begin with, are you being completely truthful with yourself in the creditor. Did you, in fact, purchase the items you are being charged for. Were they your expenses? If so, and you do file for bankruptcy, what will happen to your credit report for the next 10 years. How much will the cost of credit be now? What about your insurance? Did you know that filing for bankruptcy puts you in the highest risk factor with your insurance company? Therefore, your rates will go up. What about applying for a job. That is undoubtedly going to come up as well. So an employer has two qualified candidates. One has a bankruptcy on his/her credit report the other one does not. Who will he/she hire?
There are way too many variables when bankruptcy is involved. However, what about the alternative. A debt relief program that acts as a third party for you. That negotiates and settles your debt for a fraction of what you owe. That can have you debt free in 1-3 years, depending upon your debt level and how much you can afford to pay back.
Finally, you must be prepared to defend yourself from having to handle the bankruptcy “stigma” that will follow you for the next 10 years. Would it not be better to look into a debt settlement program that can literally “take over” your accounts and get them negotiated and settled in your best interest?
We do believe that bankruptcy can be right for some people. Before “jumping the gun” we suggest you educate yourself about the positives and negatives of filing for bankruptcy. Our debt counselors can answer most of your questions as well as provide you with a free quote on what a debt settlement program would cost you.
Misconceptions regarding bankruptcy
Many people believe that if they file for a Chapter 7 bankruptcy, they are back on easy street. The truth is: you may have to pay back the debt you owe, anyway.
Every state has its own rules regarding bankruptcy laws. For this reason, if you are considering any type of bankruptcy protection, we strongly urge you to consult with a board certified attorney in your state who specializes in bankruptcy procedures. You may not have the option of filing a Chapter 7 bankruptcy if the courts determine that you make too much money. The courts may make you file a reorganization or Chapter 13 bankruptcy. So, instead of having your debt completely forgiven (Chapter 7), the court where you live may force you into filing a Chapter 13 bankruptcy.
Finally, if a creditor can legally prove that you were fraudulent in filing for bankruptcy and never had the intention of paying back your creditors, it is very possible that the court would rule in favor of the creditors and you would end up paying off all of your debt, anyway.
(This discussion does not constitute any legal advice, either explicit or implied. It is highly recommended that you seek legal counsel in your state for specific legal advice).
Nationwide Debt Reduction Services Is A Good Company
How Debt Relief Works
Credit Card Debt Reduction Services
Credit card debt reduction programs are becoming more popular than other debt relief options, as more people find themselves in financial straights. Consumers who believe credit card debt reduction may be an option for them should do a little homework first. There are two very important factors a client should look at before signing up with any debt reduction company. The first is to know exactly what the costs are. If a company is charging you upfront fees or monthly fees, walk away. This is not the model you want to be using. The second, yet equally important factor is, how long has the company been in business and are they a reputable and honest company.
At Nationwide Debt Reduction Services, approximately 60%-65% of our clients come from existing client referrals or folks that have completed the program. We like referrals and think that speak volumes about our business. We also recognize that there will always room for improvement, and our clients are never bashful about speaking up and helping us in the areas that important to them.
It may sound like common sense for consumers to know what they need before signing up with a company; however, Nationwide Debt Reduction Services also knows that debt reduction or debt settlement is something no one has gone through before. Therefore, there is a lot of time required over the telephone just in educating our clients not only understand how a program like this works, however, is it the right plan for them,
One of the very first items that come up most often is just in terminology. However, it is imperative for a client to know the difference between a debt consolidation company and a debt reduction company. When taken purely on face value, there really are significant differences between companies that offer debt consolidation counseling, debt consolidation loans and those that provide debt reduction counseling. Then there are those that provide debt elimination or debt repair services. In some cases, there can be a mix in that one company may offer several services. In other cases, a company will work exclusively in one area. (You can read about the differences of all these on this website).
The bottom line is consumers should understand that not all credit card debt reduction services work alike. Some will be more adept at helping you get lower interest rates on your current debt. Others will work to get some of your debt forgiven so that you do not have to pay on it anymore. Most will be able to help you set up a reasonable budget to help you avoid getting further into trouble.
Our experience is that common sense will prevail when all is said and done.
Loan Consolidation and paying off debt
Loan Consolidation and paying off debt are probably the two biggest things that we frown upon and what we believe helped lead our country toward the debt mess that it is in today.
In these scenarios, people often took out personal loans or Home Equity Loans (HELOC) to pay off their credit card debt. This accomplished two things. It turned unsecured debt (credit cards, medical bills, etc.) into secured debt (a loan against your home). Second, it paid off the credit cards easily, leaving a false sense of security that “as long as my house rises in value, I can use it as an ATM machine to pay off credit card debt.”
Is there an advantage to using a HELOC to pay off my debt?
In some instances, the answer is yes, in that you could probably get a lower interest rate than what the credit card companies were charging you. In addition, this interest could be used as a write off on your personal taxes.
What are the biggest disadvantages?
Once again, there is a false sense of security in paying off debt.
Should you lose your job or have an unforeseen accident, your house is now on the line as secured debt and you could lose your home.
Debt Reduction Information
What If My Request For Debt Settlement is Rejected by Credit Card Issuers?
You should be prepared for all contingencies when trying to reduce your debts. It is one thing to be optimistic and to hope that your lender will enthusiastically respond to your request for waiver. But you owe them a balance and they were counting on your interest payments for increased profits, be prepared for an initially negative reaction. What should you do if your request for settlement of your debt is rejected by your lender or credit card issuer? Should you opt for bankruptcy? Is there any way to convince your lender? Read ahead and find out more.
If you have approached your lenders personally for waiver and have been rejected, then you can employ a professional debt settlement company to intercede on your behalf. Do not convert this into an ego issue. Settlement companies are experts at negotiating high waivers from even the most stubborn lenders. They have detailed knowledge of how credit card companies function. Your request for settlement has probably been rejected because lenders felt they have not earned sufficient profit from you yet.
Professional companies can quickly point out to lenders how much they have earned as interest and how much they stand to lose if you end up in bankruptcy. This is one option you have. The other option is to claim that rejection of settlement is only going to lead to a bankruptcy. You can invite the lender to take legal action including seizure of your bank account. Of course, you cannot make such an offer if you have lots of money in your bank. It is only when you’re certain that you cannot repay the debt should you resort to such tactics. The idea is to convey to the credit card issuer that there is no way you can repay the debt in the current situation.
Whatever you do, do not think about bankruptcy. The recession has hit lenders hard. Although they have become amenable to settlement, there still are instances where they try to play hardball. If you stick to your request long enough, you will convince the credit card issuers that you are a worthy recipient of waiver of a significant portion of the debt. Bankruptcy is a solution that is worse than the problem.
Now you have two payments to make each month. Your initial mortgage payment and now the HELOC payment.
What if I simply got an unsecured loan, not against my house?
You could do this, however, most lenders charge a much higher interest rate on unsecured loans. In addition, it could be viewed on your credit scores as being overextended; you could be viewed as someone not able to handle his/her finances.
Credit Counseling Companies
Credit counseling organizations, often referred to as “Consumer Credit Counseling”, are organizations that help individuals get out of debt by paying off their entire credit card balance. They simply collect a monthly payment from you and, in turn, pay your creditors for you. They are some of the largest non-profit organizations in the business.
Questions: If they are non-profit, how do they make money?
Answer: Credit counseling organizations are paid by the credit card companies. They typically are reimbursed by the credit card companies, making between 10 cents to 15 cents on every dollar that they collect from you.
Are there advantages to going with a credit counseling company?
Yes, there are some. They take over the payments to the credit card companies for you, so that you do not have to deal with it each month. In addition, they may be able to help eliminate some late charges on your account or some over-the-limit fees.
What are the disadvantages of working with a credit counseling company?
The disadvantages of working with a credit counseling company can be numerous.
- The length of time you are in the program will almost always be double, if not triple, that of a debt reduction company.
- Because credit counseling companies work directly with the credit card companies, they can adversely affect your credit report immediately.
- These organizations typically cannot lower your monthly payment, as you are paying back the entire amount that you owe. They do not negotiate a settlement.
- There is no incentive by these companies. The more they get from you to pay back the creditors, the more money they make.
- The drop-out rate for these companies is extremely high, as people often find that they could be doing the same thing themselves, without paying any fees.
Student Loan Debt Relief & Information
Student Loan Debt Repayment Options • What Happens if I Default on My Student Loan Repayments? • Can a Debt Relief Company Help You with Your Student Loan(s)?
If the case is such that annual payments, on an average, are exceeding fifteen percent of the income of a family, then the principal amount of the student loan can be reduced. The maximum amount of assistance that can be given is the lesser amount of up to half of the loan amount or up to ten thousand dollars.
Student loans are now a staple of our society as the boon to those students who are under the intense financial burden for loans, coupled with rising academic competitiveness and pressure of studies, continues to excel. Now more students can look towards higher studies and a promising career without the fear of large loans and repayment issues.
Student Loan Debt Repayment Options
When it comes to student loans and paying them off, you have several some options available to you through our debt relief program. It is very important that you have a budget and understand what your budget is for paying back this loan(s) in order to develop a realistic financial plan that you can stick with.
Again, most student loan lenders will give you a grace period after graduation to allow you time to find that job you dreamed about. This is usually about six to nine months following the end of your education. There are some lenders however that will require you to start making repayment immediately. These types of student loans usually only require you to pay the interest only to begin with. This is why is critical to know what type of student loan(s) you have as well as a solid budget you can stick with.
Below are some options available to you for student loan debt relief:
- Look into alternative repayment programs. For example, look and see if you can get an extended loan term to decrease your monthly payments by extending your loan over a longer time period.
- If you qualify, you can apply for an economic hardship deferment to see if you can reduce or suspend monthly payments. We will assist you with that.
- Whatever you do, do not ignore the loan(s) or just stop making payments altogether. This could further damage your credit report, lead to wage garnishments, or have bill collectors trying to chase you down.
- There are special programs for people who have suffered an accident or disability, and sometimes even qualify for a loan cancellation under special circumstances.
- Military personnel may also qualify for a cancellation of a student loan(s), depending upon their military status and circumstances surrounding their hardship.
- You might be eligible for a modification of the student loan, forbearance or deferment as well, depending upon the status and type of student loan(s).
What Happens if I Default on My Student Loan Repayments?
For a select few, who through no fault of your own, happen to fall behind on your student debt loan(s), take heart. There are several things the lender/creditor can do.
For example, they could make the loan due and payable in full immediately. This obviously does not help the matter, as you are defaulting for a reason, usually because you do not have the money. Calling the loan due immediately does not solve the problem.
Secondly, the lender/creditor could turn your account over to a collection agency, or worse and an attorney’s office that specializes in collections! Here is where you start getting those threatening letters, etc.
In either event, you will begin to incur late charges, fees, possible higher interest rates, and of course the dreaded damage to your credit report.
You can recover and do it yourself. You can outline a plan of action that the lender/creditor most likely will find amenable given your particular situation. The loan(s) have already entered into a default status, all that’s needed now is to work out a compromise.
After you have made twelve student loan debt payments and received “rehabilitation” status, you will no longer be considered in default. Credit bureaus will then look favorably on you and eliminate the default record from your credit reports.
Can a Debt Relief Company Help You with Your Student Loan(s)?
Are you like hundreds of thousands of other young adults who are looking for debt relief with their student loan(s)? Graduating from college is by far one of the greatest accomplishments you will receive before reaching the age of 25. However, to do it, you had to beg, plead and oh yeah, BORROW to get it done. Student loan debt is the third largest collection of debt after government debt and personal debt. In addition, if you are an “average” person, you more than likely have more than $25,000 in loans that need to be paid back.
The excitement of graduating from college can soon turn to a nightmare if you cannot find steady employment within the first six to nine months. Unless you move back home, finding a way to earn a steady income can be a daunting task. That is why most student loan “managers” will allow you a grace period, usually six to nine months, following your graduation before you have to start paying back on these loans.
More often than not, more than 50% of all graduating seniors will struggle to pay back their loans, and a small percentage of those will default entirely. This is very unfortunate, as the first thing that it affects is your credit report…the very same thing a new employer looks at for hiring someone out of college. Second, there are numerous alternatives that are available to you, including a debt relief program, that can guide you through these options.
Debt Relief for Service Members
Today’s American consumer has been loading up on debt. In 2009 American household’s had 2.6 trillion of debt. Now according to CNBC, total household debt has risen by $193 billion to an all-time high of $13.15 trillion at year-end 2017. Unfortunately, the men and women of the nation’s armed forces have felt this probably more than most Americans realize. However, a nearly 70-year-old law is helping to ease the debt burden for those called to serve their country in the armed forces.
Financial protection for service members exists in the form of the Service Members’ Civil Relief Act (SCRA). Under this law, formerly called the Soldiers and Sailors Civil Relief Act back in 1940 and renamed in 2003, lenders must cap at 6 percent the interest rates on loans military service members incurred prior to becoming active.
The 6 percent interest cap applies to any charges including credit card debt, service charges, and renewal charges. The act specifies, to receive the interest rate reduction, the service member must request the reduction in writing and provide a copy of their active duty military orders.
Additional protections include:
- Protection from eviction if your rent is $1,200 or less.
- Reduced interest rates on mortgage payments.
- Delay of all civil court actions, including divorce, bankruptcy, or foreclosure.
The promise also states that service members who claim any of the law’s protections can not feel the adverse effects on their credit reports or be refused future credit because of it.
Some credit card companies even go beyond what the law requires and offer additional benefits to service members. However, many other simply ignore its requirements. What these companies fail to realize, there are criminal penalties in many sections of the SCRA for violations. Also, many sections preserve service members’ basic right to bring lawsuits to protect their other rights which are independent of the Act.
Research shows that U.S. military members can use the help. It shows records from the Air Force, Navy, and Marines revealing a staggering rise in the number of soldiers who had their security clearances to be deployed around the world revoked as a result of personal debt.
If you are a military service member experiencing financial difficulties, we suggest you contact the SCRA office nearest you and file the forms to protect you from those creditors who are not following the law. Otherwise, get clearance from your commanding officer before you look at debt relief options. We gladly support our military, let’s make sure your AFSC/MOS supports debt relief.