How To Settle Debt - The Dave Ramsey Show

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[@lizwick]

I’m thankful to Dave Ramsey! I’m $500 away from being free from credit card debt. I had 14 cards totaling $20k. I paid in 11 months. Man, never again will Use credit cards. Love my debit card.

[@ericchips9314]

How in the world did you do this? I need to pay medical debt and it's just a really scary situation. I don't know what to do or where to even begin.

[@marilynsantacruz521]

Yes how did you do this?

[@marylenarouse856]

Amen

[@jasonquinones8436]

How

[@seventhchild7270]

I'm 1700. 00 cleared july......soooooo thankful for my debit card too. Car paid off....57,600 miles, mint condition.debt free july 2019....thank you God!

[@SheMeetsCity]

When she started crying it broke my heart :( Poor girl seems like she's trying her best, and was just in a bad situation. I dont understand how people say that Dave is just mean. He is just assertive and honest, but this clip shows that he obviously cares.

[@tpcs8667]

Those people that say he's mean are just venting their " brat and/or entitlement attitude-nature" and can't handle the truth or just don't want to hear the truth.

[@PersistentPatriot]

tough love is true love

[@jynxgirl03]

I was thinking the same as the poster above. Sometimes we need a reality check. It can be rough but it has to be honest. But like he said...there is light at the end of the tunnel. He was still sensitive enough to remember where he's been and is willing to help.

[@fedupmonkey69usa46]

jynxgirl03 that's all he sells, it's his job,we are to blame don't use credit for nothing pay cash

[@dekass7965]

+HONESTO UNO r u asking if people are really into debt or you are being ignorant?

[@Antman1317]

I was financially lost until I heard about Dave Ramsey show. Thank you Mr. Ramsey.

[@johud]

Same here!

[@mikenelson8377]

Same here. Because of him, I became debt-free back on 8/15/16. I will never ever borrow another penny again.

[@EmpireTextbooks]

ant knight he may have made you debt free but he’ll never make you rich

[@bellahouston1306]

Hey guys, you can make legal and easy money easily by working with spaceweb DOT hacks AT gmail DOT com if you have any other account, these finance experts are capable of dropping money into your account. All you will be required to do is to follow simple instructions without having to pay anything until you're financially good.They also help to fix credit issues wiping debts

[@lizwick]

ant knight me and you both! Im thankful for Dave Ramsey!

[@Dubois_tada]

I’m 21 with 5,000 in credit card debt living on my student loans and a flimsy seasonal part time job. I couldn’t help but cry when she started because I completely understand. 😢😭

[@reallitycheckk]

stop paying it

[@MissionaryInMexico]

Stop paying it... For now.

[@roses4me451]

Sit down and establish a budget of what you can pay. Talk to an attorney about bankruptcy if you can't pay your debts.

[@yodambomb4974]

Roses 4me no do not file bankruptcy for 5,000 ,: let them try and sue you and at the least short settle .., 5,000 is nothing and you have student debt so do not file bankruptcy

[@jamesrichey2434]

@@yodambomb4974 Agreed! do not file bankruptcy for just $5,000 in debt! besides, it'll cost ya about $2,000 just to do it. Student loans are forever.

[@le_th_]

Sometimes he is so very kind and fatherly.

[@itzliatl]

Dave Ramsey is amazing! His advice works! I just settled an outstanding debt that was garnishment over $5000. I had $3000 remaining and was able to negotiate a settlement in full for $1200. Thank you, Dave!! I'm on my way!

[@garretteckhardt6665]

Excellent work! Keep motivated!

[@wlonsdale1]

So they got $3200

[@CindyValencia]

Any advice? I wanna settle i have 4K on a capital one card and lost my job due to the pandemic how does settling affect credit?

[@UnknownWarriorZz]

@@nocapper3918until it falls off your credit in 7 years

[@DarkInception]

@@CindyValenciaDid you end up clearing that card?

[@anasazi.yazzie]

I got into an argument with a debt collector over $250, which i was not aware of. The guy just laughed and said it doesnt affect him. So I hung up and continued life cause I dont need that kind of negativity in my life.

[@lady56725]

Little Ricky 😂😂

[@ThePecanTan]

This is the greatest comment EVER! hahahahahaha! Kudos to you!

[@Josh-py9rq]

Lol

[@virtuous_women_ofgod]

Am hollering 😂😂😂😂😂😂

[@kathyramos2924]

Lol love it!

[@Ezinma88]

Papa Ramsey came out big time on that call. He was so sweet to her.

[@tfittread8907]

I love the way he treated her.

[@TiddyFreckle]

This girl just made me cry. I hope she did it. It’s been 5 years :>

[@wilchambers1401]

DON'T EVER BARROW MONEY FOR ANYTHING EVER AGAIN!!!! JUST WORK WORK WORK!!!!! SAVE SAVE SAVE !!!!!!

[@edsonroadmoto]

Warren buffet would disagree. He would borrow only if it’s an investment and use his cash flow on anything else . Or sell some slow moving investments to make room for those that have a faster return.

[@DjDobleU809]

Best advice ever. 👌

[@joemonroe2249]

horrible advice

[@kjthomas4553]

@@joemonroe2249 the best advice ignore debt

[@joemonroe2249]

@@kjthomas4553 mm no Cuz many times it takes money to create more money... If you never take out loans you are less likely to generate income. That's why this is just ignorant and stupid advice

[@kay22100]

She started crying because Dave was bout to light her up.. 😭😭.. I feel for her though. Hope she gets through it

[@YukYuk12]

😂

[@virtuous_women_ofgod]

😅

[@FixdalOK]

I felt genuine compassion and love from Dave in this video. So sweet how he cared for this girl.

[@twouniq04]

I never got emotional and I just really started watching all your series episodes and i actually understands where and how she feels

[@shawnwaldrop3702]

If you watch Dave's Story - Live Like No One Else - this phone call is a central part of the video, about his radio show being a ministry. As it unfolds to the music, it will just tear your heart out.

[@edsonroadmoto]

Six years ago- how about a follow up with this girl since times are definitely been challenged for most- and see how she’s doing these days .

[@jenniferriester3159]

I like that Dave calls it like it is. When people's lives and well being are on the line, there isn't time to make someone feel better by stroking their ego or coddling them. He's straight forward, he doesn't mince words but he isn't rude or insulting. If something was a stupid decision, he says it was a stupid decision. But making this significant of a change in lifestyle and finances don't have time for coddling. I like him. I started listening to him earlier this year and now, we have baby step 1 completed and we're working on baby step 2. I've never had a savings in my life. It's empowering.

[@chasity3576]

People should be aware that after settling for delete the creditor can send you a 1099c form which means you have to pay taxes on the portion you did not pay because it's now considered as earned income.

[@marylenarouse856]

Good info... Thank you... How soon will they send it to you

[@chasity3576]

@@marylenarouse856 I'm not sure when they would send it if they do.

[@marylenarouse856]

@@chasity3576 okay. Thank you. How do I get the settlement off my credit report? It is showing up as collection\chargeoff. It is being included in my total owed debt.

[@chasity3576]

@@marylenarouse856 I'm not a credit repair expert, I just happened to know about the 1099c

[@marylenarouse856]

@@chasity3576 okay... Thank you...

[@UneakTershai]

I resonate with her so much. Me like 8 months ago. It gets better! 💕✨

[@freshurb8963]

Never a reason to cry over money owed. There is no such thing as a debtors prison, all you can do is pay what you can, and if there is some overzealous debt collector being agressive with you, remember YOUR control what you can do. They do not so you control all the leverage

[@jorgeschettini6483]

summary: pay 0.3 of each dollar you owe to settle in writing!!, or do not pay, risk to be sued and wait 7yrs to clean ur credit score. all other options out there won't be better for you.

[@chief1b]

Going thru same situation but I needed this

[@arienfox]

I would want to follow someone who has been where he was with some common sense and successful with paying off debt and teaching all other aspects of Personal Finance, I'm sticking with Dave Ramsey.

[@jamieon9607]

I feel bad for her. Yes I do. But her situation is not as bad as it seems. Especially at 23.

[@TestTest-ei4gi]

Im sure she’s in a good spot now but man 16k in debt on a 1500 income was just a bad move. Never take on debt because all it takes is losing your job to switch you life around

[@jamielc3437]

I like that Ramsey is a kind caring respectful man very admirable

[@123491622]

First things first. Check with your states department of labor to check their license to collect in your state. Next, signature confirmed Cease and Desist letter to the credit card company/collection agency. Finally, home recording system for your phone. If they call continue to call you can negotiate with them the money they owe you after you sue them. Then you can settle the debt as you seem fit.

[@islandgirl3330]

The unfortunate thing that happens to people is that the banks lend you money knowing that they should not. They are the ones to blame because they know what is going to happen to you. This lady is lucky that she is with her parents and she can get a part-time job.

[@inkbythebarrelandpaperbyth6905]

"Better than I deserve!" Love ya dave!

[@gamesofcontent]

I think about calling this guy sometimes, but I have no debt and my questions seem so trivial.

[@psychicdevelopmentexercise]

Call him. Why not? Everyone's issues matter.

[@elsplace896]

Dave is so kind and he knows this subject

[@iamtheclout1912]

This is me and my husband. My husband loss his job and we loss everything in the matter of 3 months

[@DanJNigro]

I can't believe he didn't mention the removal of the collection remarks on her credit report. BETTER advice would be make sure when you pay and settle with debt collectors that they agree to remove the remark from your credit report because if you don't specifically agree to that, 99% of the time they will just leave the remarks as "collections paid" which is just as damaging as having an unpaid collection remark on your credit report. How come that was missing from his advice to her? That is SO important, how can you ignore a poor credit score? it will cost you thousands.....See that is the valuable insight and advice you won't find or get from Dave Ramsey since he's so anti-ANY kind of debt, even mortgages.

[@timlist4173]

this call was in 2014, I dont think he was mentioning that until a more recent time. But yes I agree.

[@trueno2984]

If accounts have been charged off can you still fight so they dont report it to the credit bureu??

[@eminiscalperpro9729]

settle debt vs unpaid collections, is much better. Especially after about 6-12 months of being settled. Yes try n see if you can remove it and a lot of times if it's settled, they won't even bother responding to the dispute and it will be deleted anyway. But, once it is settled, they can no longer potentially sue u. Plus most lenders would much rather see a settled debt, than one still in collections. For sure though, try to negotiate it to be removed as part of you settling the debt.

[@ocdtechtalk]

How do you get them to agree to remove it from the credit reports? Please don't say ask them...duh. I've asked they say they can't. Thx

[@cadavison]

You clearly aren't a Dave Ramsey listener. She doesn't need a credit score if she isn't going to go back into debt. And if she is financially healthy, she won't be going back into debt. "It will cost you thousands"... no dude. DEBT costs you thousands.

[@oarsman5531]

I have been paying debt since 2012 ever since I bought restaurant... I failed my business in 2015. 2020 I still have about $265,000 debt including student loans... all I think is as long I am healthy I can live with it. I might have to work about 15 years or so... life is all about living and be happy. Don’t get miserable by having debt. It is part of life to pay off debt, whether it is money, relationship or health...just breathe in & out thinking we will leave all this behind one day... being rich is another type of debt if I may say so ... just chill out..🍻🍻

[@batonrougetombo]

I just signed up for one-they have all of my accounts and say they will structure it and negotiate for me for $250 a month. They have my checking account info but the way I understand it, it's better for one group to have my account info than 4 or 5! It beats $250 sure beats $500-700 a month just doing minimums/late payments. I've read the packet and saw all of the fees even if I'm 90% sure it's not 100%.. I'm a different person now than I was when I racked up these charges. I just want to be accountable and own it, praying for peace with this! Best regards, Dave it's been a while since I've listened. I'm without a car right now and just upside down in it. Pray I'm on the up and up.

[@batonrougetombo]

@big bass Yeah he went over everthing fast with me too. I just shut down my checking account and brought it to a zero balance yesterday. I'd rather just work like a maniac and get this stuff done this year myself. The consolidators are supposed to make a draft at some point today.

[@batonrougetombo]

Ok good man thank you for respond here too it’s so easy to see Mr. Ramsey’s material on KZbin and it’s equally as cool to speak with a fellow in similar shoes

[@batonrougetombo]

Not yet.. was it easy to do? You just told them you want out basically? I shut my checking account down and opened another one through PayPal which has been pretty good for me btw

[@batonrougetombo]

Yea me too, I’ve shut mine down but they have my credit accounts, etc. I mean I figure as long as I be sure the credit accounts are paid off myself under any agreed terms between myself and the creditors isn’t that the desirable end result anyway? What can these consolidators do

[@Maxdouble07]

Man I thought she was sleeping in the car when she started crying. Then she said I live with my parents😳.

[@carriefurr1]

Since she’s presently living at home with her parents and gets all her current debt paid off. What’s your advice on her next step for independence mortgage, renting?

[@esquiredalegunn]

How to settle: Quit paying.

[@Morehills840]

I like you much better on KZbin than on the radio.

[@mrcoolmilli5724]

Dont pay collections. Dispute them.

[@carloslino4580]

Can you please tell me first step thank you

[@joseph10704]

I settled my debt with the school i was in.And so i settled with them school and it went right off my credit score .thank god.Not that my credit score is important to me because it's not.I am just glad that the debt if not on my life no more and it's not coming back.Now i got a little more debt to pay off.I did however loss my job.a few months back still looking for work.

[@guzmanrealtalkpodcast6963]

joseph10704 so if u settled does it affect the credit score just curious

[@theateroftheabsurd2168]

I hope she living good now. Right behind u sis

[@SleekMouse]

all these gurus say "get it in writing", after settling or paying in full 5 different debts trust me when I say none of these debt collection agencies will work with you at all to get you a letter or email agreement. Your best bet is to record the call if that is legal in your JURISDICTION

[@simosc2]

You are a good man, Dave Ramsey

[@CDGMR1]

Awwwww heart breaking. Stop using credit cards. If you can’t pay cash, you don’t need it l.

[@apope06]

"Im doing great Dave! " ..oops. i have debt...now im crying...

[@mariaemilianegron]

God bless you, I make a huge mistake of trusting my son I my fiance with my credit . Something I will never do again. And even though it's only $1,200 between both of them. In my mind is much more than that is broken trust. Thank you for your information may the Lord bless you you're helping lots of people.

[@justwest871]

Go Samantha she would be good to have an update on I hope she calls back and Dave posts both of them

[@requiemghost999darkrender3]

I need to help myself.. I owe thousands..

[@bobbyraejohnson]

God bless you Dave Ramsey

[@tolkien6384]

I feel like crying too, got into accident and I am scared to death thinking about payment plans for 16k, being 600 a month omgot, hoping they will settle for a fair lump sump less than the value, not sure if i can do payment plans long term yet. I work Minium wage and I recommend everyone reading this to buy a Good Quality Dashcam, Police will not always be on your side, Depend on yourself. You fight for you.

[@Jls79773]

Can I settle debt if it’s not in collections yet?

[@TheDebtAssassin]

Dave Ramsey's solution to everything is "Get a part-time job!".

[@jonathanvilIagra]

Well you need more money since you spent more than you had. Makes sense to me.

[@jillianmcallister1012]

why does the headline say she's from New York City? Long Island and New York City are completely different.

[@dontask7454]

Take out all the debt you want and file BANKRUPTCY like Dave Ramsey did in 1988! Thats how rich people settle debt!

[@lrmgrl]

Interesting!

[@banjohombre]

@@lrmgrl as did old DT

[@Utubinmom]

what great encouragement and great advice! go Dave!

[@meseyc]

1500 a month in New York? I don't know hows she's surviving

[@killamatrix1]

She lives at home

[@wlonsdale1]

@@killamatrix1 she said she's on her own.

[@euenfheiejrj]

@@wlonsdale1 maybe that’s her definition of on her own but she lives with her parents. The title also says NYC which isn’t correct since Long Island is not part of NYC.

[@royal6127]

Thank you Ramsey for the great wisdom !

[@teeyateeyah233]

Mannnn I started crying with her. Awww.

[@MK-ko6ft]

Rayn George stop scamming people! You and your Brian friend are scammers! Get out of here!

[@navyseabee0823]

I received a letter for debt settlement but it states. "This letter is to confirm the opportunity to resolve your account for less than the full Current Balance (shown above) by paying the amount detailed below. Pursuant to our agreement, payment in the amount of $240.00 is due in our office. " This doesn't sound like a settlement letter. other than just a payment. any responses as what a settlement letter should state?

[@robertkoester8499]

Yeah they are tricking you into just making a payment

[@Elizabeth-yg2mg]

"Resolve your account" means settle--close it.

[@SolidNate99]

Dave Ramsey on settling debt "You shouldn't have been in debt in the first place."

[@nelsonjoel5289]

6 years later. What happened??

[@YeshuaLove0722]

Prayers 🙏🏻

[@dmitry259]

Call them again, they will accept 30 percent.

[@italkmoneynunu]

I needed to hear this ..

[@howsitgoing3967]

Thank Dave

[@AgentPepsi1]

You know, I love Dave's insights, but sometimes he is so judgmental. The world isn't all numbers, or black and white.... This being said, using his methods and a very good debt settlement company that worked a lot with me, I settled $54,000 in credit card debt in 2 years, for a total of a little over $18,000. I am totally credit card debt free now. Once I get rid of my student loans... I will be so much better again.

[@AgentPepsi1]

Judann Pec I worked with Debtpro out of LA. You have to keep on them, but they do get results and will work with you. :)

[@MrGiggity890]

+AgentPepsi1 holy moly, woman! $54k in credit card debt?? What the heck did you buy??

[@Oneofakind123]

+AgentPepsi1 but really... I always wonder what goes true a persons head that has 5 figure credit card debt on "living expenses". How is it even possible?? There is a limit on how many iPhones one can carry. :)

[@AgentPepsi1]

Oneofakind I tell you what went through my mind... shoes, clothes, perfume, bags.... charge and forget. I learned my lesson in a very painful manner.

[@jobdoneright5934]

+AgentPepsi1 And you talk about illegals in your Post. You couldn't pay your debt. You thought you where entitled and now settle for less?

[@MrSartorius1]

if she owes X amount then shouldnt she pay back X? Isnt that whats moral?

[@ThePeterDislikeShow]

Is there statistically a good time of the month/year to settle CC debt? Maybe a monthly quota they like to meet or a slow time when they're desperate to get something?

[@finndaniel2774]

@zane__hacks on instagram got mine settled

[@jcherestal]

So im 10k in cc dept you mean to tell me i can stop paying for 6 months and settle for 25 cemts on the dollar? I love america!

[@leni6864]

I don't know what she's crying about; she lives with her parents. Is not like she's a single mom who lost her job and is about to get evicted and had her car repossessed! Sorry kid, pay your debt and start saving so you can be on your own one day.

[@CindyValencia]

Parents charge rent still in a lot of cases and if she lives in the Bay Area like I do - expenses are Ridiculous here gas was at $6 a gallon before corona virus happened and a two bedroom is nearly 3k+ for basic

[@jeremywj]

Sure, she was lucky to have a roof over her head. However, people at her age want independence, and living with your parents is, to some, shameful and an added stress.

[@hdlatimer4083]

I really like this guy ! The Tennessee helmet tops it off

[@thomasjoseph5876]

Dave had me up to the point of never having debt. Debt can be a viable and valuable tool in bettering your personal situation, business options and giving you additional Tax Credits. But bad debt can get you into trouble. Creating debt by buying Ho-Ho's at the local Walmart is Bad Debt. Getting a Home Mortgage to purchase a stable and secure place to live and thereby giving you tax credits is a form of Smart or Good Debt as long as it is within your means of paying and coming up with a plan to continue to pay it if your financial situation changes. Buying a safe vehicle for yourself and/or family is a necessity if you don't have the option of public transportation. But with any and all Good Debt, you MUST be realistic and realize you have limits within your budget. Whereas others may be able to afford that brand new $70,000 Ford Expedition, you might need to settle for that $8,000 Ford Expedition with 150,000 miles on it. Debt is only a bad thing if we create from things that we can live having without, like Ho-Ho's from Walmart, or if we exceed the limits of our Family or Personal Budgets.

[@DanJNigro]

Love them HOHOs. I once sold my soul for a Ho-Ho....or was it a Yo-Yo. I forget.

[@thomasjoseph5876]

Ho-Ho's are great, you just don't want to put $900 worth of Ho-Ho's on the credit card. I know some Liberals that are addicted to Ho-Ho's but they know not to create bad debt with Ho-Ho's so they do Blow Jobs of the old men at the Nursing home for Ho-Ho money. Now they complain of not being hungry enough to eat the Ho-Ho's after they get off of "Work" LOL.

[@patriciaglover4882]

I think you are so awesome I have been doing this for people my whole life helping them getting them out debt why isn't there a class as we grow up in school. So many people you be surprised.

[@mitzisnails9209]

How is Samantha doing now?

[@JimPerkins1953]

Do you take Credits Cards for FPU?

[@JimPerkins1953]

Credits Cards

[@ThePeterDislikeShow]

Don't buy stuff you can't afford!! A 1-page book! We can put it on our credit card!!

[@MidwestGarage]

Why does this not have more thumbs up? I love the sarcasm haha.

[@Elizabeth-zo9qm]

LOL. I'm assuming this is sarcasm, but they actually don't take credit cards for any of their stuff. They practice what they preach.

[@arienfox]

Yes they do!!

[@Priust189]

I don’t understand if the advice is never to use cards again why settle for anything at all

[@marcomavronas7420]

I really need to have a conversation on over my situation with YOU!

[@grantv2313]

Minimum payment on $2600 is what, $30 a month? This warranted a phone call?

[@charityclark7910]

When I was 23, I was also in debt. I just changed my phone number and threw away the mail.

[@jeanettekniebusch9532]

NOT scary becsuse she's living eff ith her parents and they're goid to her, she s safe.

[@Kenquinones]

true, but when you're 23, sometimes you see life differently than 33.

[@MissionaryInMexico]

What about people like me who lawyers murdered my father, my mother passed over a decade ago, and I have nobody to fend for me but me.

[@dylannewell1914]

She'll want a millionaire to bail her out of it.

[@kodiwilliams4505]

😂

[@debdixon5800]

Sometimes he can be too aggressive over the phone with callers

[@rachelt.7408]

Wish he wouldnt cut ppl off. They are already nervous to speak to him.

[@chelseaortiz8586]

Tought love, he needs certain information to help them not their whole life stories.

[@Elizabeth-yg2mg]

He's running a radio show. He needs to stop the babbling so he can say what he needs to say.

[@misslambchop8690]

shes from long island tooooooo

[@spartan5106]

Once the settlement in writing has been paid for, is the debt removed for my credit history automatically or there are further steps? Thank you.

[@OvertimeSessionHD]

From my experience (just paid off a couple hospital bills) I told the collectors in a conversation over the settlement, that I will not pay anything unless the change reflects on my credit report immediately. They wrote it down on our settlement letter I signed it, they signed it and then I made the payment... Few days later it was removed. Good luck to you.

[@spartan5106]

@@OvertimeSessionHD thanks man, I will tell them to write that in our settlement as well.

[@BostonHooligan08]

Does a debt settlement with a credit card company affect your credit score negatively?

[@wlonsdale1]

Yes. Big time

[@User0player1]

show me the contract. validate the debt. take the alleged creditor to small claims.

[@geofferypmeyers]

This made me cry

[@MariahFan09]

So funny that they never want to answer the questions he asks

[@RafuchoATX]

I have 35000 in credit cards debt I am doing my payment so I'm not behind but There is any way I can reduce my debt without going with those debt consolidation company. Can you advice me what can I do??

[@insanemustaine111]

They usually will not even budge if you are current, and you dont have straight cash. once the debt goes to collections, they will settle in a lump sum, but the credit card company themselves will not.

[@mikenelson8377]

$35,000?? Omg...

[@larryboatright8456]

Rafael Machado yep call them with settlements offer 80 percent

[@muttonnair]

stop using the card

[@firstnamelastname-ve9gj]

He/they never talk about if these credit card debts are with tons of interest on them (as in how much is principle and how much is interest fees) -- and will the collections agency cut down the principle owed or just take off the interest fees and late fees, etc? So is it 30 cents of the dollar related to the total amount due (with principle, fees, etc) or is he saying that's for the original amount of money the person charged?

[@euenfheiejrj]

Does she need a car? She can probably either walk to the train or bus and get a ride from her parents to everywhere else. I didn’t own a car when I moved back to my hometown in NJ after college and I feel like it’s similar to Long Island.

[@rhipodlewski]

A contract for permanent employment came through promising relocation upon start date. was a bait and switch. Once we drove 12000 miles out west, (costing us over 3k) and started the job, the contract house said they couldn't uphold the reimbursement costs..!!! had to continue work. So did. paid 4k to move into a rental home, signed a 1 yr lease. Contingent upon signed work contract. 4 months following, I finished the project, the day following completed project, which was in excellent condition, I was let go. Gave our property Management offical notice. Left place in better than move in conditions, with pictures to prove that. The leasing office kept the 4k, charged us 1800 more. Placed account in collections and now Albuquerque collections is charging us interest. The account is 1k more than the original amount. Is this even legal? Do they know how hard it is to earn 1k? What should we do? Please help..

[@patience9154]

What do you get it in writing for? If they charge more what do u do??

[@shariscott9538]

GOOD JOB SAMANTHA!

[@user-sh8nz5sm5j]

I am disabled on SSDI I have a CC with Navy Federal Credit Union. It 3 months behind, can the credit union collect taking my SSDI ?

[@RG-hf4et]

She is living with her parents on Long Island. Boo hoo. She is overspending to keep up with the Joneses. Get rid of the car loan now. Buy a junk car.

[@melmckenna4599]

Just a question do you have to start with 1000 first before you pay your debt. I have a bill which I pay weekly, but it doesn't leave me with much left over, another bill coming in April so I stop paying this debt? I have nothing saved

[@michelleford9951]

I need to know if debt consolidate a good idea

[@Njjoy16]

Your credit will take a dive if you do debt consolidation. Basically, they are just a middleman. You can do it yourself by just picking up the phone and negotiating a lump sum payment.

[@JR-gb9ou]

Long Island is part of NYC now?? Just say where the heck you're from!!

[@KayDejaVu]

it is a part of the area silly fool. Is that the most you got out of this?

[@euenfheiejrj]

@@KayDejaVu not really. That would be saying my hometown in NJ is now part of NYC.

[@mikejames6588]

Debt management plan