Dear Mr./Miss./Mrs./Ms. (surname):
This is reply to your letter of (date) concerning the alleged indebtedness of (grade/rate, name).
The policy of the Department of the Navy is that members of the naval service shall honorably discharge their
just and fair debts. The Department of the Navy, however, has no authority to enforce settlement of any private
claims made against members of the naval service, nor is adjudication of disputed claims a matter under the
cognizant of the Department of the Navy.
Department of Defense directives require that as a condition precedent to forwarding complaints of
indebtedness to a service member the enclosed forms must be completed and the Standards of Fairness complied
with. If, after review, it appears that the provisions of the Department of Defense directives have been fully satisfied
the matter will be refereed to the service member for reply directly to you.
(1) Standards of Fairness and forms for a Statement of Full Disclosure and a Certificate of Compliance
Figure 11-7.-Letter of indebtedness creditor in violation of the Fair Debt Collection Prqactices Act or a state statute.
Dear (fill in):
This is in reply to your letter of (date) concerning the alleged indebtedness of (grade/rate, name).
In view of your letter, the service member has been advised to communicate directly with you regarding (his,
her) intentions in the matter. It is hoped that the above action will result in the matter being satisfactorily resolved.
Figure 11-8.-Letter of indebtedness creditor not in violation of the Fair Debt Collection Practices Actor a state statute.
The CO may furnish the member with a statement of
service, including a statement of pay and allowances.
this information should be sufficiently complete to
meet the needs of the member, such as those in
connection with home mortgages or purchase
The Chief of Naval Personnel receives letters from
various sources in foreign territories and countries
regarding alleged indebtedness or related matters
concerning naval members. In the interest of
maintaining harmonious relationships with citizens of
other nations, these letters are forwarded to the CO who
should quickly dispose of these cases and ensure
satisfactory and positive conclusion of the matter. If the
situation cannot be disposed of satisfactorily or
permanently before the members departure from the
foreign port or station in question, a report setting forth
all pertinent facts should be made to the senior officer
present afloat (SOPA) or other authority, as appropriate.