The american veterans and servicemembers survival guide pdf

Some financial products, though technically legal, make it more difficult for consumers who use them to get out of debt and achieve economic security. While these products generally are available to all consumers, some are marketed more agressively to current and former members of the military.

For this reason, Congress has passed special laws to protect active duty military personnel. The best way to avoid a costly mistake is to be able to recognize these wealth-stripping products and services and be aware of the better alternatives that exist.

You could also try to work out a payment plan with your creditors that would help you get past the financial crisis. The VA Debt Management Center may be able to help you if debts incurred as a result of participation in a VA compensation, pension, education or home loan program are causing you hardship.

A non-profit credit counseling agency, which you can locate by visiting the National Foundation for Credit Counseling online or calling , can help with most other unsecured debts. Click here to submit complaints against a school or educational program. Click here if you are from outside the U. Some creditors strongly suggest setting up automatic debt payments from your paycheck. But military allotment—the system that allows payments to creditors to come directly out of your income before you receive it—has some important disadvantages compared to the other electronic payment options available today.

These include possible third-party fees. And because the money comes out of your paycheck rather than your bank account, you lose the protection against unauthorized payments that a checking account provides. Rather than use an allotment to pay your creditors, you can set up automatic payments from your checking account the creditor pulls the money from the account on a specified date or make electronic payments using the online banking system.

In either case, you have much more flexibility to withhold a payment, if necessary. Even if you are sued by a creditor and lose the case in court, your military disability compensation cannot be taken from you to satisfy the debt. Veterans Administration VA disability payments are federally protected from attachment garnishment of any kind. However, some civil court judges are unaware of the difference between military retirement pay which can be attached and VA disability compensation.

Servicemembers can be an attractive target for lenders because they typically have a steady income and are easy to track down. Fortunately, there are laws that help protect servicemembers and their families from high-cost debt and give them a reprieve during active duty. Surviving Amnesia: Mind Over Memory is a philosophical and inspiring exploration of acute memory loss, the power of accepting what you can't change, and defying what you're told to accept.

A Handbook of Health by Woods Hutchinson - Houghton Mifflin Company Looking upon the human body from the physical point of view as the most perfect, most ingeniously economical, and most beautiful of living machines, the author has attempted to write a little handbook of practical instruction for the running of it. Making Recovery a Reality by G. Shepherd, J. Boardman, M. At its heart is a set of values about a person's right to build a meaningful life for themselves, with or without the presence of mental health symptoms.

Anything you can do to help me make sure as many servicemembers and veterans know about it, would be very much appreciated.

Our veterans, servicemembers, and their families deserve far more care, attention and support than they are getting now. Please join me in doing everything we can for those who do everything they can to protect us. Main Menu U. News U. Politics Joe Biden Congress Extremism. Special Projects Highline. HuffPost Personal Video Horoscopes. Follow Us.