sky-high interest rates and fees.
As uniformed servicemembers, you are
required to be financially responsible.
Sometimes, your financial irresponsibility
could amount to various violations under
Article 134 of the Uniform Code of Military
Justice. For instance, delivering a check
when you have insufficient funds (even if
unknowingly) could lead to an Article 134
charge, as well as if you deliberately fail
to pay a debt.
So, what else can you do when you’re in an
emergency for cash? Talk to your First Ser-
geant. He/she is a knowledgeable and
experienced military member with a
wealth of resources to help you out. There
are also great facilities on base, such as
the financial advisors at the Servicemem-
ber Family Readiness Center. There is
also the Air Force Aid Society — you can
get interest free loans and grants for things
like basic living expenses, emergency
travel, vehicle expenses, medical and
dental expenses, child care, moving ex-
penses, & other miscellaneous expenses.
If you were not aware, all trials by court
-martial are open to observers; there
are no sign-ups or notifications—just a
simple walk-in is acceptable. It can of-
ten be an interesting experience to
watch since military courts are struc-
tured differently than civilian ones—and
no, you will not hear the witnesses yell-
ing “you can’t handle the truth!”
If you are interested in stopping by to
observe a court-martial, you should be
aware that new guidance has been im-
plemented for courtroom security. At
McChord Field, the courtroom is locat-
ed in building 100 on the third floor. All
observers will need to go through a se-
curity screening. They will be wanded
before entering the courtroom, so en-
sure you look for posted signs directing
you to the security checkpoint. No
weapons of any type are allowed in the
courtroom without prior approval of the
Court and the Security Forces Squadron
Commander; violators will be subject to
disciplinary action.
These new security measures are not
meant to deter anyone from experienc-
ing the inner-workings of the military
justice system; rather, they are to en-
sure the safety of all individuals within
the courtroom.
Ever notice how many payday loan organ-
izations are around military bases? Ac-
cording to the Wall Street Journal, payday
loan organizations target servicemember
families twice as much as civilian families.
The preying on military members got so
bad that, in 2006, Congress stepped in
with the Military Lending Act (MLA),
which limited the APR (including fees) to
36% and required military-specific disclo-
sures. However, lenders still find loop-
holes. Even without these loopholes, 36%
is astronomical! The MLA is being expand-
ed to include more protections, some of
which will become effective in October
2016 and others in October 2017. None-
theless, you should still steer clear of pay-
day loan establishments. Even further,
watch out for cash advances with your own
bank — using your bank’s credit card to
draw cash at an ATM can also come with
Coming to Watch a Court-Martial?
$trapped for Ca$h? Don’t do this…
Page 3
“No weapons of
any type are
allowed in the
court room without
prior approval…
violators will be
subject to
disciplinary
action.”
“Sometimes, your
financial
irresponsibility
could amount to
various violations
under Article 134 of
the Uniform Code
of Military Justice.”
DISCLAIMER: Nothing in this newsletter constitutes legal advice.