Indebtedness
Developmental counseling statement sample covering Indebtedness

Posted Sunday, December 4, 2005

Possible topics to discuss during counseling:

• What creditors are late receiving payments
• Does the soldier have a budget set up
• Is the soldier over extended in finances
• Root cause for the lateness on payments
• Failure to financial obligations could result in UCMJ

Below is a space for you to list addition topics to discuss that may apply uniquely to your situation:
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Possible Plan of Action: (Person counseled develops plan with counselor’s guidance.)

• Make an appointment with the Unit Financial Advisor to get a budget drawn up
• Based on the budget, draft a plan to make payments to all creditors and provide a copy to the chain-of-command
• If over budgeted consider consolidating some of the bills
• Stick with the budget until the financial problem has been resolved
• Follow-up with the chain-of-command monthly until the financial problem is taken care of.

Leader Responsibilities: (This is only an example for you to use as a guide.)

• Schedule an appointment for the soldier with the Unit Financial Advisor.
• Follow-up monthly to ensure the soldier is staying within his/her budget and his/her bills are being paid.