Dfas Debt

[mannjn]

I know this is an old post, however I feel I should share my experience with these issues incase someone finds this post....
I was also stationed in hawaii years back.

The issues with the Office of Financial Responsibility is not due to the debt with dfas. I also had to file with the office, each state has its own OFR, you do lose your license if you don't file with them but the reason you must file is either you got caught too many times without insurance, you had an accident with no insurance, other insurance issues can cause this also, or if you have too many moving violations and are considered a habitual offender, I've also heard that having more than one DUI can cause the state to require you to file with OFR. The ONLY other reason I have ever heard of having your license revocated for not filing with OFR is due to not paying child support or unpaid court ordered fines. So this problem has nothing to do with your DFAS debt.

As far as the dfas debt goes, I am familiar with this as I'm paying off some now. Sometimes when people are discharged they will tell you that your leave accrued is covered and you are either in the positive or owe the government no money. However as in many cases this is very far from the truth. 3 years out of the Military (with no notification of debt from DFAS) checked my credit report as I was having problems getting a car, I found out I owed DFAS $1300! from leave taken that I had not earned. I did the math and they were right about me owing them however they were very far off on the numbers, I disputed the amount in writing, with no factual evidence on my behalf I just told them they were wrong and wrote a 3 page letter telling them they were wrong and they replied back having adjusted the amount to now owing them 500. which is a lot better than 1300. So make sure when you are being discharged to check 3 or 4 times with dfas, someone higher up not at the entry level rep because they will screw you over and you will never know. Don't expect to get a debt notification. Check your credit report atleast once a year its free and helps to make sure you arent a victim of identity theft and strange government debts from 10 years ago that they never told you about. Lastly if you feel the debt is more than what it should be then dispute the amount, when they come to a final judgement just pay the damn debt and get it over with.

Any more questions just let me know, I've have had a looooot of experience in the past 10 years with debt and other than student loans am just about debt free now.