My Husband's Ex-Wife Is A Mess Now We're Being Sued!

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[@samanthasmiles9112]

It is always a red flag when the WIFE is calling on behalf of her HUSBAND'S issue. Why isn't he calling?

[@tabkaliO]

With these type of calls, I wishDave would say you need to have your husband call in.

[@joesmith3590]

Because she isn’t happy with the husband choice and wants to change it lol.

[@bigbadjohn7053]

​@joesmith3590 He probably doesn't really care, and she is panicked about it. 6 years old and the ex was supposed to take care of it. He doesn't really see it as his responsibility and if he pays it, it stays on his credit rating longer. They're almost at 7 years. Probably getting ready to fall of their credit report soon if they do nothing. As Ramsey said, if someone was going to sue they would have done it by now, so why panic about it.

[@firststar2]

💯

[@carmenross1077]

Exactly.

[@Chromewarrior]

This lady isn’t sure what happened, she’s “fuzzy” and assuming everything. Hubby is on the hook. I don’t think he’s been straight up with her.

[@sconnell1791]

Unless the statute of limitations has run on the balance.

[@michellerichardson3090]

From what shes saying they tried that with me aunt. She leased a car, gave it back and 10 years later some company tried to sue her for a debt from whoever bought the car after her. Either way they couldnt sue her they just thought they would try and she would fall for it

[@aplanefliesabove]

She is so confused, her husband is obviously withholding information. Way too many people ignore their financial responsibilities, while attempting to move forward with another partner. I do not want no one's old debt, in my life. No thank you

[@heidithaw1072]

Actually I don't love anybody enough to deal with this kind stuff.

[@michellerichardson3090]

Or she has no clue whats going on because theyre both incompetent and he didnt explain it well

[@ryannparker477]

Agreed, also, too much focus on the ex - she’s irrelevant now. It sounded like he took the debt as part of their divorce agreement so it’s his now anyways…

[@cynicallyyours61]

When I married my husband, he had debts from a previous relationship, and when I married him, I inherited his debts, unfortunately, including a massive tax bill and also a car loan that his name was on as well. Unfortunately, this happens all the time. Be careful when you get involved with someone who had been in a relationship involving debt. Everyone needs to be transparent when it comes to debt and realise the predicament you are getting into if your partner has debt from their past.

[@fritzy1819]

Some states you can look up court records including divorce decrees. I wouldn't think about getting involved without looking up someone's past and seeing their credit score.

[@stephenedwards9341]

Hubby needs to grow some balls and take care of his dirty laundry.

[@kevinboyles1067]

"I really don't have any idea about anything, so I figured I'd call a radio show and give them a 45 second description of everything I didn't have any idea about so they could help me." Smh..

[@kevinboyles1067]

Sure. Can't wait.

[@janan5570]

To me she’s believing whatever he’s telling her….and staying willfully ignorant so she doesn’t have to know the truth. Or she’s a total idiot.

[@emmawainwright5527]

So funny!

[@mwhe3111]

I'm serious. 😒

[@MichaelDruck]

That is not the only thing her husband is hiding from her.

[@sarikagoode1505]

Just the only thing she knows about.

[@TheDjcarter1966]

Just a lesson do not sign any official divorce decree until AFTER the debts have actually been refinanced, a super easy way to prevent this from happening.

[@fhuber7507]

You often don't have a choice about whether to sign the divorce papers. Once the judge says "Divorce granted" you don't get to sign. You just have to obey the order.

[@FrankS111]

Welcome to reality of marrying people who were already married!

[@paulchakola7372]

Truth

[@josh_final]

I can understand if you had been already married, but if you weren't, and your partner has been previously married, then why get into the fuss?

[@blackworldtraveler3711]

Too much baggage.

[@paulchakola7372]

Years ago, I refused to even consider a woman who was divorced or had kids. i somewhat relented on the Divorced part but it's a case by case basis, NEVER will I date a single Mom.

[@broncos4life532]

Yep! Biggest mistake I ever made lol

[@lilpinkbubbles6592]

Sounds like the husband wasn’t honest with her and she is playing vigilante new wife.

[@patriciaalbertson5183]

Yeah...I wondered about that too. She doesn't really know

[@67spankadelik]

The biggest mistake is they don't understand what they received. By speaking to them they have reactivated the clock for the debt. In one more year it would be past the statue of limitation. They fell for a bluff.

[@dreamlife33103]

People need to be reminded that you are one with the person you marry to. It's never a "I" thing when it comes to financial decisions or other major life decisions. It will be "we" even to the courts

[@Wall2000x]

Of course, the husband is going to make it blurry. Your husband isn't honest on two counts. I wouldn't worry about it. But, I'd worry about the husband.

[@katt6894]

I'd be worried if this was the guy that I was married to

[@patriciaalbertson5183]

😂😂😂

[@Lady.Luck.]

Same thing happened with my husband's ex. When they got divorced, they signed an agreement to pay certain debts. She didn't pay hers off. Then we went to get a home loan and had to pay off her agreed debts

[@creature57]

Awful situation. Sorry to hear of your situation.

[@pseudorandomly]

Was the "agreement" they signed some sort of side deal or was it actually a court-ordered part of the settlement? If the latter, his responsibility for the debt is over. If the former, he can sue her, but that might, of course, cost more than the debt amount.

[@Lady.Luck.]

@@pseudorandomly it was an agreement made through the court. Of course, a debtor doesn't care what the court order says, they weren't a party to that agreement. they still want their money and it was still assigned to his responsibility as far as they were concerned. We were trying to get a home loan and didn't have months to go through suing her. plus it's a case of..can't get money out of someone who is broke.

[@pseudorandomly]

@@Lady.Luck. Thanks for the reply. Without seeing the actual language, I can't argue specifically, of course. But having some small experience with a similar situation, the creditors must remove him from the loans if the court order frees him from the debts; they can't simply "not care" what the court says. (Of course, if the creditors are somewhere the court doesn't have jurisdiction, that's another story.)

[@terrierislander1]

Can you sue her together some of those funds?

[@barbieblue3336]

She's not mad at him? She should be. He's lazy & not truthful.

[@adamseidel9780]

Honest to god, I cannot imagine what goes through the head of somebody who experiences a potential problem in life, and before they even do so much as read the dang letter their first step is to call some guy on a radio show so they can be told what to do. Maybe actually inform yourself of your situation first. Some people are… not smart.

[@janan5570]

My thought exactly!

[@nmarkert01]

And to not even have a picture of the letter in this world? I take pictures of people who park questionably near my vehicle in case there’s matching paint damage when I come out of target or wherever.

[@dougprentice1363]

Exactly. Wow.

[@Excalibur2]

Tbf, paying for actual legal advice costs a lot. This radio show is probably a step up from asking strangers on the internet for help.

[@adamseidel9780]

@@Excalibur2 you know what’s more expensive than legal advice? Getting smoked in a lawsuit.

[@amydoran9987]

He sounds clueless and irresponsible. She sounds very confused.

[@cambrie7946]

This woman is all over the place. Get your facts straight honey before you waste everyone's time.

[@FabulousCucumber-ip9hu]

She's doing something. He ain't.

[@jeremiahsmith450]

Delony sitting there squirming just dying to ask if she’s safe…

[@carolgladney9890]

This happened to my parents, after Mom passed away and Dad wasn't able to pay for me car. They were both 89 years old. I wrote a letter, make a couple of calls. I got a letter every year for 5 years. The last one I returned unopened, marked DECEASED. Got one more, did the same thing. Finally, 4 years after Dad had passed, no more letters. It's a mess dealing with debt collectors

[@nurse.christian]

She said “Between the two of us”. Miss you’re on a nationally syndicated radio show. I like this caller mann 😩

[@theforeignerinamerica1817]

Debt follows people… thats why Dave is so against it

[@jomontanee]

Love the phrase. Eye opening, “Debts follow people”.

[@doughooks7411]

She does not seem to know much about what she called in to ask advice about. Kind of hard to accurately advise on such uncertainties.

[@rileyl7129]

Glad to see Dave is back

[@nancyt6895]

This call gave me a headache. Can't they screen the calls or get more info before they go on the air?

[@princesslizzy5675]

I thought they did, that's why Dave knows the caller name before they speak.. but that's just my assumption

[@roseother8306]

Oh, they screen the calls. I can't even get through. Sometimes the phone rings for 20 minutes. I'll do that twice and hang up again. Then, I get a recording about how busy they are, leave a message - maybe they will call you back, no promise. And I'm really in need of advice.

[@markstoltzfus5276]

I always enjoy hearing Dave start a sentence with "thee uh". He doesn't usually know what he's going to say yet.

[@ilotefft2526]

I appreciate that he takes a moment to think about what he would do if it were him before answering.

[@matthewgardner2144]

This caller, like so many, needs to have better information on the whole situation before phoning in. Being fuzzy on details is not at all helpful.

[@tmurrayis]

I am now 62 and retired. After I got out of college I worked as a collector for Creditel of Canada. FYI I would gargle with Listerine twice before going home. It didn't help. I lasted a year.

[@carlenerosinski5095]

I've been going through this same thing for a 20 year old debt & they started garnishing my wages. I finally filed bankruptcy for those one & only debt. Wish my lawyer would've given me this info.

[@carlenerosinski5095]

*this

[@djpuplex]

Imagine getting divorce and than marrying again. Didn't learn his lesson.

[@djpuplex]

@@saulgoodman2018 simping Saul

[@stephenmiske8355]

Imagine getting married in the first place

[@djpuplex]

@@stephenmiske8355 waking nightmare

[@MsValiG]

imagine he needs someone to pay for him, lame

[@djpuplex]

@@MsValiG That would make him a woman or child.

[@suziesuzie74]

Why she calls to Ramsey? She should squeeze and investigate honest information out from her husband who is responsible to take care about his debts.

[@tweetspie06]

If the debt was assigned to the ex in the divorce, it should be as simple as sending them the divorce decree saying it was assigned to her

[@jill9606]

But didn’t the caller say there were some conditions in the divorce decree that required her to settle the debt? I don’t get the advice given to her after she said that.

[@rainydayrewind6372]

Her husband was supposed to refinance the debt per the divorce decree. Her husband didn't do his job, that's the bottom line. It's unfortunate for the new wife, but he needs to stop burying his head in the sand.

[@billybeemus3929]

@@rainydayrewind6372 - That makes no sense. The ex-wife would have to refinance. It is already his loan. What good would it do him to refinance?

[@michaelpalumbo4880]

@@rainydayrewind6372 SHE was supposed to refinance it, not him. She is in contempt of court.

[@rainydayrewind6372]

@@michaelpalumbo4880 , I misunderstood then it was a bit slurred. I thought the Court told him to do it. Whomever didn't follow the Court order is the one at fault. 🤷🏼‍♀️

[@rainydayrewind6372]

@@billybeemus3929 , whomever the Court told to refinance, it should be been done.....it's that simple. The Courts dont always get everything right. 🤷🏼‍♀️

[@mationinfo]

Hearing things like this make me run. Run bro as fast as yo can, run.

[@braceyourselvesfortruth2492]

Why? He's the one who let it happen.

[@mationinfo]

@@braceyourselvesfortruth2492 furthermore, this goes to all men and women, the energy we project into the universe that same energy is coming into our lives. Now learn to read between the lines. You will find the answers to your questions. Finding the right lady or gentleman is not hard. Just follow your gut instinct. Love you all. No fear.

[@braceyourselvesfortruth2492]

@@mationinfo no.

[@mationinfo]

@@braceyourselvesfortruth2492 🤔🤔

[@whatsap1204]

Thanks~~~~

[@hadenanderson563]

If a company "buys" the debt, is it technically THEIR debt now and not the original borrower.

[@suzannemiller993]

She needs to read and understand the letter they received. If it came from the sheriff there maybe outstanding tax issues as well as unpaid debt. ( Sheriffs are used as the state debt collectors in IN). Furthermore, there is probably a judgment against them which could seriously affect their ability to get future loans. Any settlements need to be in writing and sent to all parties including the state.

[@elizabethallen4353]

First her husband needs to read it and take ownerhship of the problem. Why isn't he calling Dave instead. Smh.

[@michellerichardson3090]

More than likely its what Dave said, its a new collector trying to get what they can. There's literally nothing she can do, its not in her name. Her husband has to deal with it

[@JasonGroom]

They will often reach out right before the statute of limitations to collect on the debt. They need to look at how much longer it will be able to be collected

[@jimlovell8860]

How is this solution an honest and moral thing to do? If he owes a debt he should pay it. To call and say “ Here is a fraction of what I owe and if you don’t agree to it then just sue me” is immoral. If Ramsey loaned someone some money I’m sure he would not wish to be treated the same way. Very surprised by his advice.

[@jomontanee]

It is in the divorce AGREEMENT. I pay this debt you pay that debt. Simple as that.

[@lilygypzyslabs7863]

@jomontanee Then why is Dave telling them to pay at all. He repeatedly said this debt was jointly owned, despite the divorce agreement. If it wasn't his to pay Dave would have said that.

[@MoneyTalkwithMP]

Seems more complex to figure this out in a short call 🤯

[@1tommyday]

If there is this, husband isnt telling her other stuff too. As his wife, it had better come out of HIS money

[@reneebevevino7210]

Ramsey is wrong about collecting across state lines. It is NOT difficult to transfer a judgment to another state and then attempt to collect the judgment amount. Depending upon the state, property liens can be used as collection method as well as wage garnishment and/or bank account seizure. His casual indifference to debt collection is dangerous.

[@hadenanderson563]

They don't want the legal and court fees.

[@fawkestheplotphoenix964]

I mean a judge ordered her to refinance the loan and she didn’t. That’s not his fault

[@Achilles5937]

Moral to the story......never get married. Its a lose-lose contract.

[@Migglesworth]

It's kind of blurry = he's hiding something OR he's an idiot. "I'm not mad at him I'm mad at the situation." The situation didn't make any decisions.

[@Jim_Curtis]

They should really get a lawyer and fight this instead of asking Dave, who is not licensed to give legal advice.

[@Jim_Curtis]

@@TheAck201 Agreed

[@JerryStevens]

It doesn't sound like enough money at stake to hire an attorney.

[@nicholeknight1893]

They always call Dave for legal advice 🙄

[@mationinfo]

Jim, you know better. When u hire a lawyer no one wins except the law firm.

[@doughooks7411]

Says the attorney…

[@catlady2795]

This was a really good episode of Dave Ramsey.

[@thefoodwench4848]

They should provide copy of divorce decree. I’d also think it’s near the statute of limitations so perhaps talking to these people was a bad idea as Someone else said it can start the clock again.

[@KC-dr3cg]

Yes!

[@sophiafanny]

He calls, but you are on the extension. He says, "I will stay on the phone, but my wife is better at this stuff than I am. She is on the extension, and she will be handling this, with my permission and my listening in." That way, they can't manipulate him, but they are still negotiating with him, for legal purposes.

[@buckymoto]

The Ramsey team needs to do a better job of screening calls. It makes it so HARD to understand the context of these calls when they have to ask a dozen questions to understand what's going on. These people need to have their ducks in a row BEFORE they start talking to Dave so he can properly help them, and the Ramsey screening team should help them with that.

[@orphanedhanyou]

Depending on the person no amount of coaching can organize their brain. Like Dave shows worth those set on over spending, if they don't want to change they won't.

[@TonyByers-so8ie]

I went through a similar situation with now my ex- wife. The sheriff department showed up at our front door and served my former wife a summons where she was on the hook for $1600. on a car that she co-signed on a car with her boyfriend at the time. I paid off the debt my-self for her!

[@mwhe3111]

Chickie needs to get more information before she calls for advice...this call is all over the place.

[@drgjs]

sounds like he's a winner.

[@whatsap1204]

Thanks~~~~

[@cathrynkari661]

What time limit would there be if we considered statue of limitations?

[@rampagenelson9658]

I live in Indiana here can she tell her husband’s ex wife we don’t want her back. thanks!

[@bryannorris3976]

I wouldn’t even worry about it. 7 years it’s off. She is upset he is not.

[@scottsanders5595]

I can't understand these calls where the spouse of the person who is in deep doo-doo makes the call and not the person who is the source of the problem. Where's hubby and why isn't he on this call listening to whatever advice Dave is offering? The new wife should probably want to be on the call as well because if the husband ends up having to pay something it will affect her. But it's his mess that he didn't clean up when he got divorced. The ex-wife may be a mess, but obviously, so is he. Man up, dude.

[@patriciaalbertson5183]

Aaahh, because hubby is wimpy boy. And maybe even lied to the present wife...Ten to One she hasn't ever seen the divorce papers. Perhaps he "forgot"! And living now in a different state.... can't recall the exact agreement,he thinks he got away with something

[@xdrag4854]

She needs to have her husband tell them to send them a copy of the contract between them and him. If they can not provide paperwork with there name and your husbands name the are not able to collect payment.

[@camma375]

I’m very happy my dad showed David Ramsey

[@mationinfo]

Learn from the pro

[@whatsap1204]

Thanks~~~~

[@steve-on3234]

Statute of limitations.

[@clarifyingquestions]

The consumers are paying for this debt.

[@whatsap1204]

Thanks~~~~

[@wenchyfoodwench4098]

It might be demand letter. If it’s been a few years they may be over statute of limitations. and they might have tried to garnish for a short fall but wouldn’t have waited 6 years IMO. I wouldn’t t worry.

[@1wadesdad]

Deanna. Get out of the panic phase and CALM DOWN! Tell your husband to handle it and LEAVE IT alone. He has a mess. YOU don't have a mess.

[@momof2momof2]

Why wasn't this handled in the divorce. She has nothing to worry about

[@dylanimproveslife]

How about you just don’t get sued🤷‍♂️

[@Think.Better69]

Poggers truth

[@jendiaz4718]

Ummm I worked a collections firm and they definitely sue. Difference from a collection company and a collection form. This firm has lawyers in almost every state. I’ve have seen judgements against people thinking that it goes away in seven years. Wages garnished, tax returns, even worker’s compensation checks taken away.

[@FabulousCucumber-ip9hu]

She married someone with hidden debt? No thanks 🙄

[@KryptosChain]

*Lol, ex wives to the attack!*

[@beatdown3361]

Women definitely are the nore bitter gender for sure lol

[@anata.g.4966]

Maybe I'm missing something but I don't think it's fair to buy something you can't afford and then wait long enough to just run away from the debt

[@davecopp9356]

I am not a debt collector, but I don´t understand why Dave is so mad about these people, I mean the person in debt took out a loan and now the people want their money back. Shouldn´t he be more mad about the people who take out loans than about the people who want to collect the debt?

[@karenc560]

I think it’s the HOW some dent collectors do their jobs. Some can be absolute beasts!

[@karenc560]

Debt

[@braceyourselvesfortruth2492]

Because most people agree that debt is bad and debtors are worse. It's popular and gets more views, which is what puts money in Dave's pocket, not paying off his debt.

[@SuzanneQuew-vc4us]

If it’s so blurry, maybe this chick doesn’t call about it.

[@pawelwisniewski6849]

I really hope she offers $1,743

[@mationinfo]

🤔

[@hollywalton5343]

Just wait until the IRS comes for you for taxes on the amt of the loan that was written off by the company. TEN YEARS LATER THIS HAPPENED TO ME FROM A REPO'D vehicle.

[@rational9229]

They need to get the paperwork, have the daughter send them the paperwork.

[@theGrayArea2]

So, have you tried delivering pizzas?

[@krissifaith6709]

hahaha

[@whatsap1204]

Thanks~~~~

[@hazelisaacs2201]

Beans and rice, rice and beans…..

[@wickedbird1538]

😢😢Nope, he is just responsible as the ex-wife.

[@georgiaparentsforkidsright9572]

🤦‍♂️Don’t call the lender. It sounds like they sued him in the wrong jurisdiction. It is better to talk to a lawyer.

[@josephzo4920]

This is why if I ever get a divorce I will never remarry well I'm so old I don't think anybody else would want me anyway

[@blackworldtraveler3711]

Not a fan of marriage but I assume that vows are spoken. Divorcing couples should be civil and at least remember what got them together in the first place. Couples make it like those years of marriage were a complete waste of time. Life's too short for that.

[@mationinfo]

Too old? I am single and looking for a lady that is on the same level that I am on. How easy is that? I created my lady. Now, I am sitting back enjoying life. I am the I am. There is no greater one than me. I am the I am. Omg, I just love this energy.

[@blackworldtraveler3711]

@@mationinfo You must be from that fictional town of Stepford Connecticut.

[@whatsap1204]

Thanks~~~~

[@AllynHin]

The wife can still handle this. Have the husband call the creditor, identify himself to their satisfaction, and then tell them they have his permission to talk to his wife about the matter. Either hand her the phone or put the call on speakerphone. If they want the issue resolved, they'll talk to whomever he wants to represent him.

[@firststar2]

People bring your receipts too the call. Lack of information

[@doggymamadrama5881]

You need to consider the statue of limitations too

[@ke6264]

Something tells me the husband bought the car for his ex wife when they were still married cause lady a debt collector is like a private detective they will find you. They haven’t found the ex wife because her name is not on the debt your husband just told you that.

[@DJ.XreX-777]

Be careful who you dealing with

[@mationinfo]

Follow your gut instinct

[@whatsap1204]

Thanks~~~~

[@alleykeosheyan4779]

2:20 "From the sheriff I'm assuming it is..." we got Yoda on the line ladies and gentlemen!

[@whatsap1204]

Thanks~~~~

[@Drumbeat52]

If it is a third party interloper then they have no legal recourse, don't pay them a penny. If it's the original creditor than they have a court judgment and can attach his wages, settle with them. The original creditor would already have made a move towards garnishment and her husband would have known that years ago. Sounds like a debt buyer he is dealing with. Been there, done that. Never paid them a penny and they went away.

[@michellerichardson3090]

Honey this is not an ex wife issue. This is a married people situation and then they divorced. He got sued because of something he agreed to do and didnt

[@markchase5323]

I would be extremely careful about giving them any partial on the debt, as I believe that will restart the timer on the debt. It's a write off at the reduced price or crickets.....

[@ruthirwin8222]

One of the problems of divorce and remarriage

[@AnnMitt]

Good grief

[@miketheyunggod2534]

Only my wife's name is on her car. My name is not on the title.

[@murraybrown855]

Don’t even bother to respond. That group holding the debt will resell eventually and it’ll carry on with letters for another 5-6 years. This will die its own death without paying them a cent. Biggest mistake they made was to acknowledge that there was some debt owed.

[@Freepr411]

The guy not sharpest tool on shed you got a winner

[@jillgott6567]

If, it was specified in the divorce decree that she pay then why, is he still on the debt ? Also, it should be the husband calling Dave- this is his mess he brought to the new marriage.

[@lebanonlouise]

As usual, the wrong half of the couple calls.

[@aaronmurphy8796]

No it’s not obvious why it’s all Blurry . If this is important we’d expect you to ask questions and get clear on what’s going on . That’s what reasonable people do

[@patty109109]

Why isn’t dave advocating for them to pay the debt they owe?

[@DoctorSmartyPants]

Well, if the debt has been sold as "bad debt" to a bad debt buyer, then there is no way for you to pay the original debt to the original lender. Any dealings you have now are with the bad debt buyer, who has not paid much for the debt.

[@rachelmelendez9255]

Oh my goodness!!🤣🤣😂 Pull his hair and do what ever to rile him up!!! That sooo funny.

[@patriciaalbertson5183]

😂😂😂

[@mariad4183]

Clean up your crap before starting with someone new, people Have a little dignity

[@princessjen99]

Unless her husband has mental illness or is a literal child then “he didn’t know any better” isn’t okay. She should be upset with him and his failure to take care of his finances

[@frik2416]

My ex wife thinks her name is fred,go figure..

[@RiverWoods111]

If you go at collection people very calmly and nicely but stand your ground AND NO ARGUMENTS you will get what you want a lot easier. Stand your ground and explain that it is going to be very expensive for them to try to collect this debt and you know this is old enough that it is worth a nickel on every dollar. I worked in collections and if you were argumentative, I would make notes in the account that this person isn't playing nice and to not go a cent below some arbitrary number like 200.00 dollars less than the original offer we made. Then we would stick to it and not budge a penny less. People who called up and were really respectful and nice to us we would negotiate with and they would often be able to get us down to our lowest amount. Also, don't make up some sob story that your only child is in the hospital on life support, and blah, blah, blah we would hear that one all day long. We know when you are lying. We will label you as a liar and not play ball with you.