Dear Mr./Miss/Mrs./Ms. (surname):
This is in reply to your letter of (date) concerning the alleged indebtedness of (grade/rate, name).
After a careful review of the contents of your correspondence, it does not appear that the Full Disclosure test
and the Standards of Fairness requirement have as yet been met. (Specify particulars to the extent appropriate.)
This command is not permitted to assist you until the Standards of Fairness have been complied with or until such
time as you have obtained a civil judgment in a court of competent jurisdiction that complies with the provisions
of the Soldiers and Sailors Civil Relief Act.
By copy of this letter the Chief of Naval Personnel is being advised of the foregoing.
(1) correspondence in this case
Figure 11-9.-Letter of indebteness; creditor has not met the requirements for full disclosure or signed the Certificate of
My dear Mr./MissMrs./Ms. (Congressman/Congresswoman):
This is in reply to your letter of (date) concerning the alleged indebtedness of (grade/rate, name), United
Navy personnel are well indoctrinated in the Department of the Navys policy of expecting all members
of the naval service to discharge their acknowledged debts and just obligations. The Department desires to
cooperate and be of assistance to persons who are experiencing difficulty in collecting from naval personnel
acknowledged personal debts. There is no legal pay in matters of personal indebtedness. Cooperation is
restricted to bringing the matter of delinquency in indebtedness to the attention of the member concerned, with
the request that he or she communicate with the creditor regarding his or her intentions in the matter.
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. Your constituent should be advised to send the forms to the Commanding Officer (fall-in).
(1) Standards of Fairness and forms for a Statement of Full Disclosure and a Certificate of Compliance
Figure 11-10.-Letter of Indebtedness received via a Member of Congress.