What's the debt for?
If it is a recoupment, then you would have been provided information at the time of notification about a repayment plan or seeking a waiver of indebtedness.
www.court-martial.com; www.court-martial.us.com; firstname.lastname@example.org 703-298-9562, 800-401-1583. Answering your question does not create an attorney-client relationship.
How much of a debt? You want to think about a second mortgage or equity line, both of which are right around prime (2.99%)...which makes for a easier monthly payment. Is the anxiety service-related?
Most debts established through the military are "federal debts" which can be recouped in a number of very intrusive manners (ie withholding tax returns, etc). Without more information, the military attorneys on this website will have trouble giving you an idea of whether you can fight the debt. It's also important to consult about the potential for VA benefits if your anxiety is service related. In the end, you may be able to offset debt with a monthly VA check. Myself and the gentlemen above all have experience handling situations like yours or can refer you to others with more specialized experience in VA work.
Andrew Cherkasky of Cherkasky Law, LLC is an Illinois attorney focused on military & criminal defense. The advice given does not form an attorney-client relationship. The advice above is intended to educate on general legal principles and theories and should not be considered state specific advice. Please call anytime, day or night, to discuss further, 703-314-6475.
Your story has bits in it that do not make sense. Recommend you repost with the correct version and ALL the facts. Your reenlistments and added years did not happen as you described. Neither did the reason you left, or the debt. We're here to help, but you can't give us BS.
READ THIS BEFORE CALLING OR EMAILING ME: I am licensed to practice before the state and federal courts in Virginia. We have not established an attorney-client relationship unless we have a signed representation agreement and you have paid me. I am providing educational instruction only--not legal advice. You should speak with an attorney to whom you have provided all the facts, before you take steps that may impact your legal rights. I am not obligated to answer subsequent emails or phone calls unless you have hired me. I wish you the best of luck with your situation.
You should review the terms of your contact/re-enlistment/or any bonuses you received. Your contract will detail the terms of waiver of any debt you would have or under what grounds you would have to repay it back. If you are having issues, recommend you contact a military law attorney.
This information is intended for public use only, it does not form an attorney-client relationship and it does not constitute legal advice. If you seek legal advice on military law issues, contact an military law attorney. My contact information is email@example.com or 804-955-9867.