Is It Worth Trying to Settle Credit Card Debt?

Is It Worth Trying to Settle Credit Card Debt?
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[@matt_gunz]

Am I the only one that would be cool with getting married in the back yard for like 1k? 15k to put on a show for one day lol, I’ll never understand it 🤷🏽‍♂️

[@Elizabeth-yg2mg]

To me getting married is a private thing plus I wouldn't want all of those people watching me--being the center of attention is not for me.

[@lillysmalls51]

TOTALLY AGREE WITH YA..... THE VOWS ARE WHATS IMPORTANT, THE PARTY 🎉 IS THE LEAST OF THE ISSUES. A FEW TABLES SOME FOOD AND CAKE 🍰 AND CALL IT A DAY.... 😁

[@tcgtpl]

I'd be totally down for couples throwing a huge 10- or 20-year anniversary party. That'd show that their bond was legit, and it'd way more meaningful than putting on an overpriced wedding gown and tux, especially since nowadays couples are usually banging before they get married in the first place.

[@Elizabeth-yg2mg]

@@tcgtpl Then we'd only have to go to half as many....

[@ihatemrjesteracp1678]

Same I don’t understand expensive weddings

[@jackofalltrades4844]

So he’s making 100K and owns the house and she wants to postpone the wedding until the renovations take place? Anyone else pick that up?

[@random-nz7dy]

Unfortunately Dave didn't catch that. That's a major red flag. if she truly threatened to postpone the wedding over him not doing home renovations before she moves in there then she is an absolute child and he's headed for doom.

[@Mike_Thompson]

Yeah, red flag... Don't marry her!

[@Ryan_DeWitt]

@@Mike_Thompson Unfortunately, it's probably too late. The guys that end up seeing the truth it usually requires a bad burn of some type to allow it to happen.

[@thelogicaldanger]

Likely a red flag, but it would depend on what he means by "home renovations." If the house is on the verge of being condemned, then it would be more understandable that she is pushing for renovations.

[@thelogicaldanger]

Just to clarify, I think the bigger red flag is her amount of debt vs her salary, not necessarily the home renovations. But a red flag is a red flag, I wouldn't want to combine incomes with her!

[@wichaelmeston1492]

No no no... let her pay it off then get married.

[@dr.bradshaw]

They’d be waiting years

[@airborneranger-ret]

Ditto

[@winstonsmith6204]

I agree. What's the rush in getting married. Let her sort out her debt then . . . Don't get married. It's a contract

[@cazpk6840]

Yea she might be using him.

[@lj3507]

@Robert Santiago 100% agreed. Dave is a simp because he's a hardcore Christian and believes everyone should get married. Dave's religious influence turns me off to the show.

[@NYCCamper]

How about spending less on the wedding 🤫

[@joicey8936]

I can tell that he won’t win that battle with his wife 😂

[@racpatrice]

Exactly! If home renovations and debt reduction is important then do a simple wedding with immediate family only, set aside an emergency fund then pay off debt as quickly as possible

[@Faith-un7ns]

And how about waiting to do the home renovations. 😜

[@benb7727]

Wait wait wait...she is “wanting” to get out of debt, but is willing drop $15k on a wedding? Nope. She is a problem. It’s only going to get worse once she has access to your $100k income.

[@dougprentice1363]

And 15k is "a portion" of the wedding. Crazy.

[@dmbgator86]

@@dougprentice1363 15k is cheap for a wedding. 30k is below average for a wedding these days.

[@SevenHunnid]

The FBI is sending me to prison after they found out that i get high off marijuana on my KZbin channel for a living 😂💯💯

[@benb7727]

@@dmbgator86 Yeah. But normal is what makes it stupid.

[@benb7727]

@@SevenHunnid what does that have to do with this?

[@CaseyBurnsInvesting]

Settle it by paying it off.

[@dougprentice1363]

Exactly. She agreed to the terms when she borrowed money. It's sick that people think they shouldn't have to pay it back.

[@brianmiddleton1002]

Right!

[@insideoutsideupsidedown2218]

But, but, that's hard.....

[@patrickboyd3364]

He needs to run for the hills.

[@ashleyjones5396]

He needs to run! So many red flags here!!!

[@littlebritian2822]

She works for a ministry & doesn't make enough yet she can find money to pay for a wedding!? Her "mindset" is a red flag....this man may learn the hard way...

[@Elizabeth-yg2mg]

He might be the one in a hurry to get married--it's usually the guys from what I've seen.

[@insideoutsideupsidedown2218]

You only get married the first time once....girls want to to be special

[@Elizabeth-yg2mg]

@@insideoutsideupsidedown2218 Wellacourse.

[@garrettmesser3977]

She’s going to take all his money, run up more debt and leave him. Hopefully without children but she might get a couple of those and half his money for 20 years

[@Elizabeth-yg2mg]

@@garrettmesser3977 Where can I get one of those crystal balls?

[@tigerak02]

Simpin' ain't easy

[@ChrisMFlorida]

but it's necessary to get that trim. Or so he thinks.

[@chartuck]

@@ChrisMFlorida He's working hard and spending a lot of dough on something Chad gets for free with no effort. Poor guy.

[@mxerb5912]

Wow dude run. She rather have you spend 15k on a useless wedding than her cc debt. She also threatened to not marry you unless the house is renovated?? She makes almost nothing. Holy cow get out! You are in for a long road of hurt trust me. You seem pretty naive by your question about CC payments and you seem like a nice guy.

[@mph5896]

"she's threatening to push the wedding back if the home renovations don't get done". I would be pushing the wedding back if there wasn't a clear sensable plan on her part to be on the same page with paying off her accumulated debt. Guy is in a world of hurt.

[@ashleyjones5396]

Exactly!!! Run run run ... sprint away!

[@crisc5890]

Have her payoff debt herself before you get married

[@dougprentice1363]

Get married at the courthouse, and pay off debt.

[@garrettmesser3977]

He shouldn’t get married to her until she pays off her own debt.

[@MrOfficer235]

So he gets to pay off her debt and she walks away clean. We got it.

[@israelmondragon6195]

Ikr 😂😂

[@israelmondragon6195]

@Csab his debt free with 50k in savings all of her debt is just Hers

[@patrickboyd3364]

He's totally whoop and a all 🍭.

[@patrickboyd3364]

@Csab He's desperate to get married, and she's depressed to get her debts paid off.

[@crooked52h]

More simping 🤦🏽‍♂️

[@MichaelJones-rn2pq]

His fiance sounds like she is going to be high maintenance.

[@bonitamathura3887]

She us the one with the debt and she is calling the shots . Isn't that something. She still wants a princess wedding and she is carrying a huge burden. Ha ha I think love blind sometimes. He better look out after she is debt free and married she will flee. I see this is a convenient marriage. Kind boy look before you leap.

[@investinstyle-financeinves1181]

These are definitely the things you want to figure out before you get engaged.

[@insideoutsideupsidedown2218]

There's a reason she is an ex girlfriend...

[@crooked52h]

Don’t get married the juice isn’t worth the squeeze

[@jnlauer0]

Christy sitting there acting like she hasn’t heard Dave’s story 1,000 times before. 😂

[@smile4cla]

I have noticed that he has been saying his story now all the time.

[@saka2456]

"Dave I'm getting married to my fiance." Dave: "sell the fiance."

[@random-nz7dy]

She's threatened to postpone the wedding if he doesn't do home renovations??? RUN, FORREST!!! RUN!!!!!

[@TheRealDealNeal]

This guy is going to regret this in a few years

[@jeffdorris5321]

Nice work 🎆🎇🌠

[@ryancharles7742]

Beautiful

[@peacedeepsleeprelaxation2677]

So he cant fix his house but has to pay off HER debt?? She got herself a sucker. He should just stay single and fix his house.

[@mjjacks2092]

I paid off 91000 in 24 months on 67k per yr , once you pay off big debt you feel reincarnated, good luck !

[@marktheshark2569]

How that’s $45.5k a year. What’s was your take home pay a month and did you not have any expenses at all

[@mjjacks2092]

@@marktheshark2569 i slept in my car

[@mjjacks2092]

Also i got a prepaid cellphone service, a po box number for mail , i had a fridge in my car and i showered at work

[@terriesmith2616]

@@mjjacks2092 Congrats man! You sacrificed for 24 months and now you get to reap the reward of being debt free!!

[@marktheshark2569]

That’s insane, very nice job. I’m curious was was your take home pay after taxes

[@gerardopliego-financevideo8214]

Of course , make it interesting with the debt snowball effect and knock out smallest debt to biggest .

[@williamthurman9082]

Well said ...if u dont know were ur goin u wont know Were u end up

[@turtlelife5444]

watched again, and what a car crash response. Steford, you showed the elephant in the room lol !!

[@princealnord7361]

yes

[@abundantras6287]

You cants save while you’re digging out of a hole 🤷🏿‍♂️🥶

[@musselmanmedia5236]

Why cant these couples be on the phone at the same time???

[@winstonsmith6204]

YES!!!!

[@petemidthun1290]

That would make for a interesting talk.

[@DebtFreeDad]

Definitely, I got one company to just wipe out 5k for 800 dollars. If payments are on time no chance to settle on those buddy. Sneak in home renovations. Lol.

[@123nothinmuch]

How did you do that

[@jokerharley1271]

Fr how

[@tatialo37]

Default, in charge off, settle.

[@johnnyb1554]

Why is one collection agency who purchased charged off debt threatening to sue me? They sent a letter saying they will garnish my wages and my bank account.

[@wewhoareabouttodiesaluteyo9303]

They cannot garnish your bank account if they never get access to it (or if you feel like they do have access, take out all the money and deposit it into another account.)

[@monicadhenderson8670]

Even if I wasn’t behind I would ask can we settle if I pay 💰 right now. You never know till you ask 🤔

[@princealnord7361]

okay

[@ryancharles7742]

wow

[@yamamancha]

Cringe. He's setting himself up for trouble.

[@moneyman6015]

Here real early

[@JohnJohn-fq5bl]

Dave Ramsey can you talk about consumer proposal? A lot of scams and a lot confusion about it. Please talk about it.

[@susanq6030]

How do you spend more than 15k on a wedding?

[@dannydinosaur73]

If I ever get married, we're going to the courthouse like Clarence and Alabama in True Romance. 😁

[@tonemeister2318]

Most money, least risk and establishing great habits going forward

[@user-mb6et1yd4e]

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[@user-mb6et1yd4e]

+ = 1 = (=7 = 2 = 4 = ) = 6 = 1 = 7 - 2 = 0 = 6 = 1

[@handleyobusiness]

Get a new debt-free fiancée or live the free agent lifestyle.

[@djpuplex]

Most creditors now don't even sell to collectors anymore including health care creditors they just warehouse her debt. I love the dead beats. This guy's marrying a woman who can't budget and will welch on debt bad signs. This guy's a meal ticket to her I guess god provided.

[@user-mb6et1yd4e]

Thanks for the comment just discovered a more beneficiary way to make profit from trading with Bitcion chat up for assistants on that.

[@user-mb6et1yd4e]

+ = 1 = (=7 = 2 = 4 = ) = 6 = 1 = 7 - 2 = 0 = 6 = 1

[@FirstLast-fc7dt]

😬

[@patrick-gc8ew]

Let me get a call in lol

[@susun7771]

She lives above her means and doesn't want to pay off her debt.. prolly the type to buy "stuff" to keep up with an image. No wedding until debt free!! Her debt is not your responsibility, it's hers.

[@monglododji9755]

Is that be possible if she was making 100k ?

[@israelmondragon6195]

He is way out of her league he doesn’t need her why can’t she pay off her own debt simple solution would be him taking care most of the bill while she using 80% of her income to pay off her debt

[@michaelkane7021]

I just don't get why Dave doesn't want to destroy credit, if someone has "good credit" he/she will just run up debt again...

[@chuckdre1399]

Bruh!!! If u don't run the other way! 100k and she bringing a bag 🎒🤪!!

[@johnallen3497]

Yeah, no way would I marry into that shitshow

[@ashleyjones5396]

Exactly! I’m sure that 50k saved is money he saved!!!

[@christinabrenneman7641]

I'm so glad I'll be able to finally be out of debt before my fiance and I get married. :)

[@user-mb6et1yd4e]

Thanks for the comment just discovered a more beneficiary way to make profit from trading with Bitcion chat up for assistants on that.

[@user-mb6et1yd4e]

+ = 1 = (=7 = 2 = 4 = ) = 6 = 1 = 7 - 2 = 0 = 6 = 1

[@countdown2xstacy]

Just have a “backyard wedding” and payoff the debt 🤷🏻‍♂️

[@chomper4x4]

Mistitled

[@double_joseph327]

Asking Ramsey something about what he has no experience in is just dumb. This guy has no idea about settling debt since he’s never had to do it.

[@axxxingforanswers4648]

RUN. NOW. ...why do people need Ramsey to tell them this? What does this guy think will happen once he's married to her? Least risk? STAY SINGLE.

[@lucastheproducer995]

I would never pay my wife’s debt got me messed up

[@agr-tech]

no such thing as her debt when you get married. it becomes yours as well if you want to admit it or not.

[@lucastheproducer995]

@@agr-tech well good thing I’m not married

[@activelifeg5237]

@@lucastheproducer995 run to the forest

[@agr-tech]

@@lucastheproducer995 so your comment is not coming from a place of experience. got it.

[@lucastheproducer995]

@@agr-tech nah I don’t think that feeling will ever change everyone has a different opinion and I know enough that she just might divorce you after you pay it all of

[@todd2456]

I'm sorry for simpin', but simpin' what I do. If you saw me how I saw you, then you could be my boo.

[@SgtMantis]

Just do a small wedding. What the heck is the point of spending $30k for one day?

[@turtlelife5444]

How is Dave any different from caller ? He says Sharon want to get a better car but Dave said he wanted to use the money to grow the business !! What about "Values" as presenter said and pay your debt off, even though made himself bankrupt ?? Caller right in my eyes if you dont need credit in future but Dave know it also but cant agree on air as banks would be pissed surly? again only my opinion and not proffessional advice.

[@crosses101]

Sounds like thr real advice is to leave her and find one that's debt free

[@Madi4321]

Let's not be deluded. She was making 28k. How can you be financially "responsible"? And she was working for the church! That's a crying shame. Let's start paying people more - AND let's go easy on the $6 daily lattes. It's both.

[@okthen77]

LOL young people want everything as quick as possible. Life doesn't work that way

[@hansonallie]

Doing the home renovations in phases will actually end up doing wonders for your sanity & probably for your relationship as well, lol 😹

[@Maryland_Kulak]

Renovated homes are for people who don’t have debt.

[@turtlelife5444]

talking of values, did Dave go back and pay off all his debts from bankruptcy now that he is worth millions ?? I think not, so please don't talk about values to pay a debt. So why worry about destroying a credit as Dave said when the goal is to never use credit again ? Default like Dave applied for bankruptcy and start again. Dave cant condone that, but if not worried about getting mortgage for 6 years in uk. Its an option but get professional advice. Just my opinion.

[@cowterminator]

Its worth it to settle if you can. Saved me over $12k. Now just to finish off my 5k in student loans. Those you cant settle.

[@user-mb6et1yd4e]

Thanks for the comment just discovered a more beneficiary way to make profit from trading with Bitcion chat up for assistants on that.

[@user-mb6et1yd4e]

+ = 1 = (=7 = 2 = 4 = ) = 6 = 1 = 7 - 2 = 0 = 6 = 1

[@cowterminator]

Btw the messages above or below are not Ramsay highlights.just a troll account. Please report them

[@noname75013]

She brings nothing to the table.

[@chartuck]

Well she is a woman.

[@DoctorSmartyPants]

Just step up and pay back what was borrowed. I hate all this how to get away with not paying in full. Christians?

[@wewhoareabouttodiesaluteyo9303]

Explain it to his gf!

[@christopherpaige406]

Better off staying single because she's going to be a major money pit.

[@jaym9879]

Dave Ramsey suggesting guys move in a traditional way when woman are no longer traditional woman, steering men to their financial ruin unintentionally..

[@wewhoareabouttodiesaluteyo9303]

And???? To get them to buy his program! DING DING DING!

[@user-en4de6jf8p]

👆⬆️👆⬆️👆⬆️👆

[@Ryan_DeWitt]

Don't be another SIMP that just pays off everything for her, pays for the wedding then when you are used up she leaves and goes for the bad boy that she really wanted all along.

[@gatewaysolo104]

That's how the pagans do it. Find someone involved in their church, reads their bible daily and you won't end up divorced.

[@chartuck]

Beta need Alpha seed.

[@dylanimproveslife]

Dave is hiding something in that desk. VERY, VERY suspicious...

[@Austin_Patrick]

??

[@cancel.lgbtq.6892]

Chris Hogan's love letter.

[@michaelbreaux2485]

If these roles were reversed...hmmm.

[@wewhoareabouttodiesaluteyo9303]

Divorce and then hemorrhage the guy for alimony and child support.

[@worthyrobinson]

Don't marry her lol

[@dylanimproveslife]

imagine getting pinned

[@slr-streetlegalrevenue899]

I’m happy that I married a submissive woman that does what I say without complaining

[@charityclark7910]

😂 until she sees your comment

[@crooked52h]

Sounds like he needs Kevin Samuel The Godfather not Dave Ramsey the simp

[@idlehandsarizona]

Gonna recharge once it's paid

[@idlehandsarizona]

A sugar ma seems way better

[@idlehandsarizona]

I'll be your Chad...