No. of Recommendations: 2
Okay, I felt like a complete schmuck for not having all of the info on this, but I knew I'd seen active duty get the benefit before. So I called a nearby JAG office, and this is what they told me:

-The SSCRA applies to Active as well as Reservists and National Guards members called to Active Duty.
-The purpose of the SSCRA is to provide relief to those whose finances were negatively affected by serving their country. (In other words, they're making less money now than they did before they joined the service or were called to active duty.)
-The debt in question had to have been incurred before entering the service/being called to active duty.

Unfortunately, since you've been in for fourteen years, these probably don't apply to you, unless maybe there's a loan included in your debt. However, please DO let others know about the SSCRA. There are lots of newer enlistees who are hurting for money and don't realize this is available to them; many of them have debt that would be covered under this. (One question I forgot to ask was whether the spouse's income counted as prior enlisted income. Since so many spouses lose their jobs when PCSing, that would be important.)

In any case, I'd still speak to each of the CC companies and argue my case, just as you did in your post. If all else fails, and if you have access to military banking, check out a consolidation loan. The terms and results are a bit different than many civilian consolidation loans, but you've still got to be prepared to cut up most of your cards. Good luck to you and your family!
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