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H.R. 2192: National Guard and Reservist Debt Relief Extension Act of 2011

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By Ed Boltz, 30 November, 2011
Summary: In a striking example of bi-partisan support,  the House of Representative passed the H.R.  2192 by a vote of 407-1.  This bill would renew the National  Guard and Reservist Debt Relief Act   ("NGARDRA") for an additional 4 years. First enacted in 2008, NGARDRA relieves National Guard and Reserve service members of many of the onerous provisions of the Bankruptcy Act, by providing that if such a service member found him or herself in the unfortunate position of needing to file bankruptcy in the 18-months after returning from active duty, the means testing requirements of the bankruptcy laws,  which normal look back at a person’s income over the previous six months,  would not apply.  Without this protection,  many National Guard and Reservists could be denied bankruptcy relief based on the income they had earned while serving on active duty, income which they no longer have. H.R. 2192 now moves on to consideration in the Senate, where it is hoped that this worthy protection for the brave men and women serving in the National Guard and Reserves will speedily be passed and forwarded to the President for his signature. For a copy of H.R. 2192, please see:  

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