payday loans for military?

Yes, you are reading that correctly.

This is what I found about the military and payday lending when I did a google search.



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I had heard that the military was really raising a stink about the payday loan industry setting up shop all around the military bases and advertising that they cater to those in the military, etc.

It's great that someone is finally paying attention to the payday loan industry, but we need attention to ALL aspects of this industry, not just the ones that prey on the military personnel. I will say, though, for the PDL industry to be pursuing our military personnel when they risk their lives for us every day, is lower than low.

I think this is great also, just can't wait for the day when law is passed like this for ALL US citizens

Now - let's RAISE the pay of the military (instead of the morons in Congress) so they can survive.

Jedi, Good point. If they had enough pay maybe they would not have to get payday loans. They sure never get the pay they deserve. KYSIDE38

i dont know if this law is in effect yet though

Not from that post from sugar:

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When do you guys think they will put this law in place for all US citizens?? :lol:

After lobby reform. The common US citizen is screwed mainly because of a lack of voice in Congress. It's big business that decides laws. How else can you explain some of the tax cuts, gun control (or lack of), failure of minimum wage increase, denial of cheap drugs and more. All these are widely supported by the US worker, but they lose out time and time again when votes come up. Why? Well, if you were a Congressman and you received $25 from Mary Doe to get elected and you also received $250,000 from ABC Company, which way would you vote when the bill came up?

You're right Jedi. Although when things start happening at the federal level, states usually start falling into compliance. This will be a big hit on Utah PDLs because of Hill AFB. Also, Utah likes to follow federal law in regard to employment and wages, so I see this as the door opening for things to start changing at the state level. However, a louder voice is needed everywhere and I encourage everyone to get active in their communities. Seek out opponents of PDLs and do what you can to support them. Pass out flyers, write a letter to the newspapers. If you can afford it, take out a small advertisement and talk with your local representatives. It's up to us folks to do what we can to help people out of the PDL nightmare.

I know I tend to overthink things ...

While this is a great start, there is a downside to it as well. PDLs may be prohibited from doing loans with members of the military, but what about military dependents? There are a lot of husbands and wives who are not with their spouses overseas. Military dependent pay isn't a lot and dependents use PDL's a lot.

This is true--and the only way they can see that they are dependents is by showing their ID. And I'm confused what you mean by dependent pay, unless you're talking about allotments members have established for their families when they are deployed. This is especially true in the Navy, where most sailors do this for their families when they are out to sea.
And hopefully the political environment will be changing, now that the Democrats have the House and Senate again.

I believe we're talking about the same thing. My daughter's married to Air Force and she gets BAH for housing and the FSA (Family Separation). He cut all of he dependent pay off after he filed a divorce on her two years ago (contrary to Air Force policy). The dependent money became an issue and prolonged the divorce for over 2 years. While she was going through this she took out a couple of PDL's that she couldn't pay back. Her attorney eventually helped her to get over $17,000 in reinstated benefits and in benefits owed to her. But ... that's another story.

The point is that the first place she went for money was to the PDLs. It's just too darn easy and tempting to get them.

Just realized I may not have been clear. Cutting the dependent benefits of was against Air Force policy.

actually its against DoD policy and there is a federal law governing that if i am not mistaken

That's good to know, Sarge! Thanks for sharing that.

You're right. But, our experience is that the military protects it's own. My son-in-law would have been kicked out of the military a long time ago if his command had not banned together to protect him. We had to go as far as to complain to our Congressman's office. His staff took the issue to the Pentagon and some of the money was back in 24 hours, but we also complained about his command and nothing was done at all. And, I really don't get it because it's not like my son-in-law has a high priority job. He drives a poop truck and empties the lavatories on the airplanes of waste and discards it. Great job for when he gets back into the civilian world, huh? :?

lol. something like that, having been through a divorce in the military is wrong. My former spouse cheated on me but i lived up to my required responsibilities till the divorce was done. And hell she was living with another man while i was in iraq. To me its a matter of following regs and do whats right even if you are being screwed. If one of my troops did this, i would burn him. My command wouldnt have to. Also there is a federal law that a spouse can actually get a percentage of retirement as well.

But Sarge, doesn't the spouse have to be married to the member for a specific period of time? I mean, if the couple gets divorced after one year, she's not entitled to anything, right? Isn't it something like after 10 years of marriage?

It is 10 years, but he's not participating in retirement anyway. Technically the whole thing could have been ended a couple of years ago because he left right after they got married and filed the paperwork 3 months later. It could have been annulled. But, because he had his mother file the paperwork she did a petition for divorce and had him sign it. I'm a paralegal and I just groaned when I found out what was done because the petition meant several court hearings and motions flying back and forth. I told my daughter to file an Answer and Counterclaim with an At-Fault claim because we had evidence of his cheating with an officer. Even the Pentagon won't chase that one. We got a judgment on him in May and then he scooted off to Afghanistan. She had to call him in at Camp Kandahar and we thought it was a hoot because the first time she called she told the operator his wife was calling. Apparently he was standing nearby and we heard the operator say "Dude, you're married?"

Leads one to think that our fine airman was messing around while on deployment!!!!!

Ya think?!? Now here's the real hoot. My daughter found his on MySpace representing that he was single. So she signed up on MySpace under and assumed name and using a friend's picture. He's already told her everything she needs to know to nail him in court. And, here's the ironic thing. He's technically cheating on his wife ... with his wife. It is a hoot to see the e-mails he's writing to her thinking she's someone else.