Being Sued By Credit Card Company

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Dave Ramsey, you're a saint. The way you give scared people hope is amazing.

sarahblackstone
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me too! $58k is a ton! but so is $5800... when you have nothing. I love how he sat there and just kept encouraging her, showing her her strength when she had the least... Good Job Dave!!!

atdepaulis
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I want to give her a hug. Dave is a saving grace in this woman's life. ❤️️

MadisonWestfield
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I JUST used Dave's advice on how to deal with creditors and i saved over 50% on my old bills. A couple tips

1) ASK the person you're speaking with NOT to record the conversation (you should record it)
2) NEVER give your banking info to them, no matter what creditors will ALWAYS accept Cert. Checks & Money Orders...Use Prepaid cards in need be
3) get a Settlement Agreement in writing BEFORE you pay anything
4) Ask THEM to give you an offer and when they do, go 20% lower then that amount, depending on age of the debt, they will ask for about 60% of the debt & maybe less based on age of debt.
5) Give them as LITTLE personal info as possible, only enough to pay the bill

6) NEVER get into debt ever again....YOU CAN DO IT!!!

wheredidileavemycell
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Linda- you have something in common with Dave Ramsey. You have both been sued by American Express. You will be fine!

masterchief
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58 what? 5800. Great, I was about to pass out. *Spits coffee on the monitor*

charlesyoung
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60k in student debt to make 43k a year is insane.

mattman
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I missed an Amex payment once. They called me the very next day and cut off my credit card. Those guys do not mess around.

gooney
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I love Dave Ramsey and the way he talks to these scared callers. He doesn’t try to demean them and make them feel horrible about themselves. You’re awesome Dave!

harley
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I was sued by capitol one for $2, 500. Don’t get behind credit card payments, don’t get capitol one credit cards. They will NOT work with you.

Lexibeez
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Dave is blessed with Divine wisdom & common sense just great man all around, refreshing to listen to him. thank you for your life may God continue to bless you & family

Yonathan
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Aww she started to breakdown towards the end of the call. I love this guy.

RezzNations
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Please remind people that if they make a settlement that they need it in Writing! They aren't good humans and will try to get another bite.

anndennis
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Probably the first kind words this lady heard in years. Dave Ramsey is a giant of emotional intelligence.

mediolanumhibernicus
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Send the debt collector a debt validation letter, along with a qualified written request. That stops the collection process under the Truth In Lending Act (TILA), and the Fair Debt Collection Practices Act (FDCPA).

foxboroconsultinggroupinc.
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thank you dave! i'm in a similar situation. i've been paying off my debts aggressively and successfully. but i'm also being sued by an collector from an old car loan and i can't afford it right now. i also live in texas. if they were to garnish me then it would halt all of my progress. now i will continue on my debt free journey. i'm getting so close i can smell the freedom.

Jacknife-iook
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You can try and fight it yourself in court, just shows up and of course file your answer to the suit, deny it as your answer. Not showing up will give them a automatic win/default judgment.

martindeloach
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Being a single mother in and of itself it’s a major triumph for this girl because I am a single mother as well, and I understand completely...She doesn’t realize How much she is actually doing for herself it sounds like she’s doing amazing and she’s getting out of debt which is another wonderful thing good luck to you young lady and I wish you the best!! 🌷🌷

thankfulblessed
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$5800 isn't worth suing someone for. The costs to recover it would be too great. They are using underhanded intimidation tactics.

knottheory
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was tearing up listening to this call, the womans obviously struggling, hope she made it through

MrSartorius