I am from Denver Colorado USA I connected with her and she has helped me a lot,she makes so much profit for me she is a FINRA agent, the best I can invest with so far ever since I came across expert Mrs cathie wood , my bad turned out being good and profitable. She's made success earlier than we thought.
Dave and crew have covered these same subjects numerous times. People don't bother to do some research before calling. Looking for a way around or an exception to the Ramsey way.
@@parochial2356 it is a little unreasonable to ask people to watch hundreds of videos that might not be tagged with anything for your situation before calling in.
@@ellencox8415 If someone is interested in getting their financial life in order, I would think that they would be interested in all the free content Ramsey solutions offers and would put in the time to learn. Many of the clips posted here are rehashing the same scenarios over and over.
Oh yeah just listening to her, cute, entitled, always right and an absolute bear to live with. Stop talking for five minutes so I can have a moments peace.
When I sold my house, the most exciting thing was to sit there and pay off debt with it. I couldn't think of doing anything else. It was such a relief to lessen the amount of bills I had to worry about. She's stressing and fighting this CC company when she can fix her issues by writing a check. She's so blessed and doesn't even get that.
Well...She doesn't want to get where you at. Instead, she wants to find a way to prevent the worse to happen to her. Where she has to sell her house and pay off debt.
Well, that is the best you can do for the future. She needs to pay off the debts to improve her credit score and history. Then apply for a business loan and invest it for a big return. Good way to beat the bank if you know what you're doing.
@@johndone8045because paying it will raise you credit score within a few months. I was delinquent for 3 months and paid what i was behind, my score dropped to 571 but as soon as i paid off what i was behind and a little more it went straight to 680 within 6 months. Settling will screw you for much longer
I'm calling BS on this whole story. There is zero chance that Discover card "lied" to her and said there would be no interest. First off none off these agreements are done with a phone or handshake. She obviously did not read everything and we have a classic case of hearing what you want to hear. She needs to pay the bill and get on with life with a good lesson learned.
Yeah, usually if you miss the 0% interest window, they go back and charge you all the interest you should be at up until that point. Thats probably what happened to her.
Discover usually offers 0% interest for 12 to 18 months. Whatever isn't paid off in that time frame though starts building interest like crazy. They are very clear when that interest free period ends and it def doesn't like up with the minimum payment. If you only pay the minimum payment you will not get it paid off in time. I'm guessing this is what happened and now interest is climbing so she quit paying it bc she's mad.
I would be willingly to bet there is zero chance of her no longer using cc’s and letting her score go to zero; she will work on getting it back to 750+.
Sounds to me like she had a 0% CC, didn’t make payments, so then they increased her rate. Then she’s mad that they increased her rate, so then she refused to pay her balance even more.
@@randomkyle3 You are wrong, you activate a card, and don't use it, keep the balance at zero, you are getting an on time payment every month, this and debt to income ratio is the most important. 👌
Jessica if you are reading this…stop kidding yourself. You won’t win this battle, pay the bill and just move on with your life. Perhaps they made a mistake, but lesson learned that if you are going to borrow money you will play by their rules, even if the rules change. Educate yourself, make the best decision based on your financial situation as well as for your family and somewhere between all of that include some integrity and morals, otherwise let’s not rip our hair out about a 20k bill when you have 130k sitting in the bank. Good luck
If there's a dispute about interest rates, she should do the full payout minus the interest rates. I think that's reasonable since the company said that's what they would do but then never honored it.
No. They are separate issues actually and she will continue to be late if she doesn’t zero this out. She needs to pay it all and then sue them for the difference.
Doesnt help they live in Austin. They going to be spending big on a home... and just listening to her you can tell she isnt going to settle for a cheap house.
I like Dave, but he shames people for trying to settle a credit card when he declared bankruptcy to get back on his feet. So why is she less ethical than he was declaring bancruptcy
He doesn't shame people for settling credit card debt. He shames people for trying to settle credit card debt for less than they owe when they have the money to pay the balance they owe. That's a valid position to take. You borrowed the money, you pay it back. If you can't because you don't have the money, and you want to settle it based on what you have, that's something entirely different.
Remember the company she owes has over a half million in revenue from screwing people with shitty interest rates and here you are thinking we need to show pitty and integrity to a corp who takes advantage of the working class every day. Let that women keep her little 100k and settle. They wrote it off on their taxes and getting doubled payed wtf are yall smoking, this is not your neighbors money
Your point is very true, but that ship has sailed, and now it's about getting her out of a jam in the best way possible. Once a person gets behind, then the wolves show up at the door (metaphorically). The system is rigged so that once she missed payments, they jack up her debt with fabricated charges that will quickly double what they claim she owes, expecting that she will have to settle with them for half, which will be what she actually owed to begin with. It's a crazy game.
Geez, how do you get $30k in CC debt, miss multiple payments on the cards where the CC company resorts to settling the debt with you. She should’ve paid off the CC debt first before calling in.
Yea No I Love Most Dave Advice but I still & will always Feel that my credit score is important granted credit ain’t nothing with out cash but good credit decent amount of cash & good self & financial discipline is Key 🔑
But after it disappears…does it come back up? Do you have to do manual underwriting? Is it easier to rebuild from 0? Trying to pay off debt, not looking for a house but need to start saving
love that you talk about integrity,,when the cc companies raise the % rate to 29 to 35% when I have no late no missed payments with 720 score..I am a 73 old and could just stop paying, protected by ERISA and cant be garnished...Thinking This would be PAYBACK..
On my part. I will settle on those debts with a written guarantee to remove those marks off my credit report after all debt goes down to zero. Then stay away from ccc for more than 6 months. Then watch my credit score go up while staying in good standing with whatever other company has my ssn # for monthly billing for perfect credit history. Ex: Utility companies, phone, bill, and car payments.
If she's in good standing on the other credit cards and she's currently 650. That must be her debt ratio. She's probably making minimum monthly payments on those other credit cards and not paying the full balance. Consequently, her monthly credit utilization is way too high. Don't forget they watching your leftover credit card balance monthly including the minimum monthly payments you're making on those credit cards. Also, that is being reported to the credit bureau monthly. That will drop a couple of points off your credit monthly until you reach to a bad credit.
So he’s telling her to pay off the entire balance because of integrity. Then he will tell others to negotiate and pay pennies on the dollar. With no mention of integrity.
I paid off my car note early. Credit score dropped from 809 to 804. I have NO other debt but mortgage. I only leased new car because my 10 year old car repairs were not worth it when I could trade it in for an $8k deposit and the lease was 1.9% interest. I did not want to sell index funds to pay cash. Your credit score does not compensate for the freedom from debt. I only had a mortgage and car note and it freaked me out. I am not a credit card person. It is not real to me in the moment. I mostly use a debit card. I have one card for recurring oil bill and it is locked in a safe. My supplier is a mom and pop shop and I question their cyber security. This woman racking up debt and not wanting pay is astounding. The company extending that much credit is equally astounding. My credit is LOCKED. I cannot apply on a whim.
I think he was more irritated at the caller who won't just pay what they owe and they've got the money And then they're calling Dave and nothing in her voice seems like she wants to listen or learn from this
I listened to her explanation of the interest problem three times and I still don’t get what she’s trying to say. Sounds like she signed up for a 0% interest but didn’t use the card and still got charged interest on purchases she didn’t make???
Yeah, that made absolutely no sense. It sounds like she doesn't understand what she signed up for, and she just needs to learn her lesson, pay the debt, and move on with life.
I'm so confused, she has the money to pay it off but she won't and is instead damaging her credit for no reason? Why??? Credit cards aren't that complicated, you spend money with it and you pay it off at the end of the month it's not rocket science.
Why? They are both chasing bills people voluntarily borrowed. Hating on collections is like hating an attorney chasing you for what a court said you have to pay.
@@patty109109 or hating on someone who negotiates a settlement between willing parties because you think they should do something else. So, what’s unethical? Not repaying, charging obscene interest rates or both?
If they didn’t honor the 0% transfer like they said than I’m with Jessica. Credit card companies screw everyone so why let them further screw your when you are in the right. If it’s 90+ days late that could have a significant effect on score. 180 days even more so. With that said she should of never let it get past 60 days
Im confused. Dave says negotiate a settlement pay pennies on the dollar, then another episode he says pay the full bill its called integrity. Then in this episode he tells her i want you to stop borrowing money but then at the end emphasizing going about paying the debts off in a way that least affects or cleans the credit report. Which one is it? And why even adjust your strategy in any way to preserve the credit score. If the end goal is no borrowing who cares about the credit score.
I'm here for advice. I am a huge fan of this show. I have a Box truck business with a single Box truck in my fleet. The business isn't going anywhere for 3 yrs now. I've tried so hard and it's gotten me in over $10,000 in debt mostly credit card. My mom has helped me, My girlfriend has helped me and I can't support them nor pay them back because the business isn't growing. Moreover my son 12 yrs old going to 13. He needs me. Should I sell my truck for about $15,000 or $17,000 pay my debt and and go back to the workforce plus focus on other business ventures??
I disagree with Ramsey on this. I respect him. However some of that debt owed especially to credit cards includes interest and fees. Take the deal knowing that even if you pay the debt in full the credit card company will keep it on your credit score. The credit card company only cares about squeezing money out of consumers.
I love Dave's advice most of the time, but he is out of his element on this one. You can get a decent mortgage with a 660. AND if she gets that account current, she will probably have a 720+. Bad call Dave.
Yeap, Fico sucks! I only have 8,000 in debt, paying consistently except 1 and yet downhill! Smh. Ridiculous done, because they are only going to sell you more debt to get into
This is one of those people that think they can use cc to shop but in their tiny little minds they feel no obligation to pay the bank back. Because in their minds since it is not a person that they owe the money to they feel no obligation to pay the money back. She sounds very young and I guess her mama told her she is special.
So many people think repaying money you borrow is optional.
It is if there is forgiveness behind it. lol
it is though.
@@k-mart7475 you are 180k in debt as is everyone in your family. America.
probably go bankrupt like K-mart.
@@k-mart7475ps...how much home equity do you have? just for comparison.
Me. 😎
This woman’s attitude probably got her into this mess
I make a lot money with cathie wood
Cathie wood is very genuine and awesome sue made me what I am today I love the fact that she’s so competent ❤️😊
This is exactly what I’ve been looking for I will message her right away I want to invest ❤️🔥many friends makes lots through brokers
I am from Denver Colorado USA I connected with her and she has helped me a lot,she makes so much profit for me she is a FINRA agent, the best I can invest with so far ever since I came across expert Mrs cathie wood , my bad turned out being good and profitable. She's made success earlier than we thought.
Very well spoken though. No likes.. uhs and ums.
The look on Dave’s face at 2:02 is priceless after she said she has money. How does he deal with these people?
Dave and crew have covered these same subjects numerous times. People don't bother to do some research before calling. Looking for a way around or an exception to the Ramsey way.
I saw that too 😆
@@parochial2356 it is a little unreasonable to ask people to watch hundreds of videos that might not be tagged with anything for your situation before calling in.
🤣🤣🤣🤣
@@ellencox8415 If someone is interested in getting their financial life in order, I would think that they would be interested in all the free content Ramsey solutions offers and would put in the time to learn. Many of the clips posted here are rehashing the same scenarios over and over.
RIP to the guy linked to this stress factory
🤣
nah, she is obviously cute. You can hear it in her entitled voice
Probably all her fault too lol
Plot twist : he’s the one with most of the debt.
Oh yeah just listening to her, cute, entitled, always right and an absolute bear to live with. Stop talking for five minutes so I can have a moments peace.
People are their own worst enemies.
🤣🤣🤣 daves face when she said they had the $ to pay off the debt....priceless! And hilarious!
When I sold my house, the most exciting thing was to sit there and pay off debt with it. I couldn't think of doing anything else. It was such a relief to lessen the amount of bills I had to worry about. She's stressing and fighting this CC company when she can fix her issues by writing a check. She's so blessed and doesn't even get that.
You don’t pay back money you don’t really owe though
@@drtij_dzienz true. So she should just write a check for her part and don't go back and forth
She is dishonest.
Well...She doesn't want to get where you at. Instead, she wants to find a way to prevent the worse to happen to her. Where she has to sell her house and pay off debt.
Unless she lied about her having some money in some other account and being cheap.
I don't want to pay my bills either, but it is called being an adult. You do things you don't want to do.
Kids have to do things they do not want to do. Why exclusive to adults?
And if you owe, pay it. Then don't use debt again.
I want to pay my bills
Naw, fight the power
This has little to do with her score, but more to do with she simply doesn't want to feel the pain of watching that money disappear from her account.
i feel her
Boooo hooooo
Its no pain, its a relief
Well, that is the best you can do for the future. She needs to pay off the debts to improve her credit score and history. Then apply for a business loan and invest it for a big return. Good way to beat the bank if you know what you're doing.
She simply doesn't want to pay it because she feels she shouldn't have to due to the experience she's been having arguing and fighting with Discover.
Don't let that company stress you out, she has the money. Just pay it and be done with it!
Why pay when theres a way to pay less
@@johndone8045because paying it will raise you credit score within a few months. I was delinquent for 3 months and paid what i was behind, my score dropped to 571 but as soon as i paid off what i was behind and a little more it went straight to 680 within 6 months. Settling will screw you for much longer
Classic: Has the money… just doesn’t want to pay bills. 😂😂
She sounds like the kind of person that nothing is ever her fault.
exactly. Toxicity uhhh
This type will send you to jail
Narcissists never take responsibility for their actions.
BINGO
You nailed it.
10 years ago she was a cheerleader.
These types of people will forever have money troubles
George describing the CC companies as snakes is spot on 💯
Never use a CC unless ur a person who can pay it off every month. Interest rates on CC is absurd
I'm calling BS on this whole story. There is zero chance that Discover card "lied" to her and said there would be no interest. First off none off these agreements are done with a phone or handshake. She obviously did not read everything and we have a classic case of hearing what you want to hear. She needs to pay the bill and get on with life with a good lesson learned.
Yeah, usually if you miss the 0% interest window, they go back and charge you all the interest you should be at up until that point. Thats probably what happened to her.
Discover usually offers 0% interest for 12 to 18 months. Whatever isn't paid off in that time frame though starts building interest like crazy. They are very clear when that interest free period ends and it def doesn't like up with the minimum payment. If you only pay the minimum payment you will not get it paid off in time. I'm guessing this is what happened and now interest is climbing so she quit paying it bc she's mad.
I would be willingly to bet there is zero chance of her no longer using cc’s and letting her score go to zero; she will work on getting it back to 750+.
If your going to use a cc might want to pay it off like a responsible person.
A responsible person might just avoid buying things they don't currently have the money for... 😘
@A Smith She has 130k in bank sound like she has the money.
@@asmith7094 your condescending comment isn't doing what you think it is..
@@asmith7094
Some people use credit card for medical emergencies
Thoughts and prayers to her husband
His fault for marrying.
@@Quinu12 that's what I thought.
@@Quinu12 what guy doesn’t if he can?
She is probably like a 8-10/10.
His fault. He knowingly married her
She can pay them off and keep them open and her score will go up from having the derogatory marks cleared and having an extremely low utilization rate
Sir, 660 is not subprime. All they have to do is pay off that card, and they are eligible for a mortgage loan.
Exactly, she’s ok at 660
Right. 660 is a good score.
Sure but highly likely she told the truth😂
660 is not good@@annehajdu8654
Sounds to me like she had a 0% CC, didn’t make payments, so then they increased her rate.
Then she’s mad that they increased her rate, so then she refused to pay her balance even more.
Bingo!
Yep!
THIS!
Yes
in other words. shes an idiot....
I had discover and haven’t had any issues with them in the past 10 years. She is definitely off on something
She doesn't pay her bills, or not on time...
My brain hurts after listening to this
my sympathies to the fool that married her
Agreed.
@@rnt45t1 she probably got the looks judging by her voice.
@@Primitive_Code until she's 30 then it's GAME OVER
That was an exhausting call to listen to.
You also do not need to charge anything to keep your score going up, it just needs to be open and active
what does active mean? it means to charge to the card.
@@randomkyle3 You are wrong, you activate a card, and don't use it, keep the balance at zero, you are getting an on time payment every month, this and debt to income ratio is the most important. 👌
Don’t settle on you’re balance. Pay what you owe like Dave said. If you do a settlement the bank report your account as “Balance not paid in full”
*your
It’s only a couple points difference between paid in full and single.
Did she call JUST to “brag” about “having a lot of money”? Lol
Jessica if you are reading this…stop kidding yourself. You won’t win this battle, pay the bill and just move on with your life. Perhaps they made a mistake, but lesson learned that if you are going to borrow money you will play by their rules, even if the rules change.
Educate yourself, make the best decision based on your financial situation as well as for your family and somewhere between all of that include some integrity and morals, otherwise let’s not rip our hair out about a 20k bill when you have 130k sitting in the bank. Good luck
Bingo!
My mother's dropped from 800 to 660 in a matter of a few months from one card, but it can go back up fast too
@@agustino42491wow that's uncredible
Had 17 collections and settled over four years 568 to 740
it's actually not that hard to pay your bill at the end of each month and get your points, miles, or cashback.
But many people carry debt. That's the problem.
It's not that hard but most people aren't capable of managing it.
especially when auto pay is a things 😅 people like this surprise they’ve made it this far
Theres always that "just pay it every month" bro in the comments as if it's a revolutionary idea.............
Half the population is below average intelligence, that's why it's the average.
Austin, TX - enough said. Here’s a case of trying to pick up pennies while stepping over dollars.
Lolz and im planning to move there in few years
If there's a dispute about interest rates, she should do the full payout minus the interest rates. I think that's reasonable since the company said that's what they would do but then never honored it.
What you mean? The amount of interest is still gonna remain on the balance.
@@fauxbro1983 Not if she negotiates a debt settlement
@@JeanValjean875 💯
No.
They are separate issues actually and she will continue to be late if she doesn’t zero this out. She needs to pay it all and then sue them for the difference.
She knows what show she called, right? lol
She's looking for affirmation. She ain't getting that from Dave
Apparently she just found the Ramsey Show yesterday!
Doesnt help they live in Austin. They going to be spending big on a home... and just listening to her you can tell she isnt going to settle for a cheap house.
I like Dave, but he shames people for trying to settle a credit card when he declared bankruptcy to get back on his feet. So why is she less ethical than he was declaring bancruptcy
Exactly
Facts. & calls paying the dirty credit companies “integrity” as if they have any integrity themselves lol.
He doesn't shame people for settling credit card debt. He shames people for trying to settle credit card debt for less than they owe when they have the money to pay the balance they owe.
That's a valid position to take. You borrowed the money, you pay it back. If you can't because you don't have the money, and you want to settle it based on what you have, that's something entirely different.
Great point
Remember the company she owes has over a half million in revenue from screwing people with shitty interest rates and here you are thinking we need to show pitty and integrity to a corp who takes advantage of the working class every day. Let that women keep her little 100k and settle. They wrote it off on their taxes and getting doubled payed wtf are yall smoking, this is not your neighbors money
It's called interest. That's why they're in business.
Keep the car, sell the wife. 😂😂😂
Exactly! Unless she's @aaliyah.enjoli not gonna be easy selling this one off.
She always expects drinks to be just bought for her whenever she hits Sixth Street. 🤣
What’s sixth street
Lol
She should try paying her bills
Your point is very true, but that ship has sailed, and now it's about getting her out of a jam in the best way possible. Once a person gets behind, then the wolves show up at the door (metaphorically). The system is rigged so that once she missed payments, they jack up her debt with fabricated charges that will quickly double what they claim she owes, expecting that she will have to settle with them for half, which will be what she actually owed to begin with. It's a crazy game.
@wtk6069 she agreed to the terms?
@@wtk6069 She knew the rules when she borrowed the money.
If you simply paid your bill you wouldn't be in this mess. She will miss her mortgage payments and want house at a discount also I imagine ha.
Geez, how do you get $30k in CC debt, miss multiple payments on the cards where the CC company resorts to settling the debt with you. She should’ve paid off the CC debt first before calling in.
Yea No I Love Most Dave Advice but I still & will always Feel that my credit score is important granted credit ain’t nothing with out cash but good credit decent amount of cash & good self & financial discipline is Key 🔑
Discover is not a horrible company
i would not argue with them to much, she was late and interest rates are very high right now. just pay it off!
They we take her to court and sue for balance owned.
But after it disappears…does it come back up? Do you have to do manual underwriting? Is it easier to rebuild from 0? Trying to pay off debt, not looking for a house but need to start saving
love that you talk about integrity,,when the cc companies raise the % rate to 29 to 35% when I have no late no missed payments with 720 score..I am a 73 old and could just stop paying, protected by ERISA and cant be garnished...Thinking This would be PAYBACK..
Dave was done with this caller LOL
I’m sure she started noticing that interest rate after months of not paying ….
At 3:10 Dave says you Discover they suck 😅😅😅😅
I am 100% sure she is going to do what they told her to do 😅
What would you do. That's what matter.
On my part. I will settle on those debts with a written guarantee to remove those marks off my credit report after all debt goes down to zero. Then stay away from ccc for more than 6 months. Then watch my credit score go up while staying in good standing with whatever other company has my ssn # for monthly billing for perfect credit history. Ex: Utility companies, phone, bill, and car payments.
I was raised to pay ALL debt I make. This thinking is long lost. Probably forever.
If she's in good standing on the other credit cards and she's currently 650. That must be her debt ratio. She's probably making minimum monthly payments on those other credit cards and not paying the full balance. Consequently, her monthly credit utilization is way too high. Don't forget they watching your leftover credit card balance monthly including the minimum monthly payments you're making on those credit cards. Also, that is being reported to the credit bureau monthly. That will drop a couple of points off your credit monthly until you reach to a bad credit.
My retirement is disgusting looking
Why ?
Call them up, ask to settle, get it written in paper. Pay it. The end.
This is why kids try to get out of her bills. I can't believe she is is trying to get out of paying her bills.
Question. If you have no credit score, and then manual underwrite a morgage. Will you then have a credit score while you carry the morgage?
So he’s telling her to pay off the entire balance because of integrity.
Then he will tell others to negotiate and pay pennies on the dollar. With no mention of integrity.
Didn’t Dave file bankruptcy in the past?😅
I paid off my car note early. Credit score dropped from 809 to 804. I have NO other debt but mortgage. I only leased new car because my 10 year old car repairs were not worth it when I could trade it in for an $8k deposit and the lease was 1.9% interest. I did not want to sell index funds to pay cash. Your credit score does not compensate for the freedom from debt. I only had a mortgage and car note and it freaked me out. I am not a credit card person. It is not real to me in the moment. I mostly use a debit card. I have one card for recurring oil bill and it is locked in a safe. My supplier is a mom and pop shop and I question their cyber security. This woman racking up debt and not wanting pay is astounding. The company extending that much credit is equally astounding. My credit is LOCKED. I cannot apply on a whim.
She can go FHA loan with 660 or less probably 580
Isn't that one time though.
Dave looked enraged when George started talking at the end.
I think he was more irritated at the caller who won't just pay what they owe and they've got the money And then they're calling Dave and nothing in her voice seems like she wants to listen or learn from this
She doesn't want to pay the debt....she wants to file bankruptcy and keep the money.
Has anyone actually done this manual underwriting way of buying a home? I would imagine the interest rate would be very high.
continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!
I listened to her explanation of the interest problem three times and I still don’t get what she’s trying to say. Sounds like she signed up for a 0% interest but didn’t use the card and still got charged interest on purchases she didn’t make???
Yeah, that made absolutely no sense. It sounds like she doesn't understand what she signed up for, and she just needs to learn her lesson, pay the debt, and move on with life.
My credit score is 750 and I’m proud of it idc what manual under ride they talking about 💯✔️
They don't know the answer for the question she is asking. They talking about integrity.
No wife no debt no stress
Am I right fellas ?
Yessur
Believe so
She’s a compulsive liar. You can hear it in her voice. She will keep using debt and continuing to fail.
Can someone explain this one to me. Did she say they told her a charge would have zero % interest?
Remember folks being broke as a joke with 2$ in your bank account is technically better than being thousands in debt
She can probably pay this off for exactly what she owes, less the ridiculous collection fees. That would be fair.
I don't like Jessica in Texas.
Me either.
😂
I don’t like Jessica in Texas that’s why I moved to Tennessee. Seems like a good song
No one likes Austin TX
@@goldengoose7492 Arkansa is better.
I have little over 660 and have only been late on one payment. Should my score be higher? The way Dave was saying that was impossible is confusing me
Not impossible at all. You can even have your credit jump to 100 in one month. It all depends on how you handle your debt.
Depends on credit utilization. If it's higher, your credit score will lower.
I'm so confused, she has the money to pay it off but she won't and is instead damaging her credit for no reason? Why??? Credit cards aren't that complicated, you spend money with it and you pay it off at the end of the month it's not rocket science.
The credit score game sucks but you need a good credit score to now rent a place. Chicago you have to have at least a 670 to rent an apartment.
2:08 Dave’s faces 😂
Do the mortgage first lock it in and then take the settelement, done
Buying a house in Austin, TX good luck you better make enough to beat out 15-25 cash buyers at minimum
Is there a bank that you can recommend that uses Manual underwriting?
The one Ramsey always mentions is Churchill mortgage
Loans Are Us.
I would never pass on the opportunity to duck over a banker. Doubly so for a collections agency.
@john Smith , It’s about having morals when you owe money to people who have no morals
@@paulc3749 Thank you.
Why? They are both chasing bills people voluntarily borrowed. Hating on collections is like hating an attorney chasing you for what a court said you have to pay.
@@patty109109 ,that depends on how much they have had back already in the form of high interest & charges
@@patty109109 or hating on someone who negotiates a settlement between willing parties because you think they should do something else. So, what’s unethical? Not repaying, charging obscene interest rates or both?
If they didn’t honor the 0% transfer like they said than I’m with Jessica. Credit card companies screw everyone so why let them further screw your when you are in the right. If it’s 90+ days late that could have a significant effect on score. 180 days even more so. With that said she should of never let it get past 60 days
*should’ve
Thanks for that info and GOD BLESS U
Im confused. Dave says negotiate a settlement pay pennies on the dollar, then another episode he says pay the full bill its called integrity. Then in this episode he tells her i want you to stop borrowing money but then at the end emphasizing going about paying the debts off in a way that least affects or cleans the credit report. Which one is it? And why even adjust your strategy in any way to preserve the credit score. If the end goal is no borrowing who cares about the credit score.
I'm here for advice. I am a huge fan of this show. I have a Box truck business with a single Box truck in my fleet. The business isn't going anywhere for 3 yrs now. I've tried so hard and it's gotten me in over $10,000 in debt mostly credit card. My mom has helped me, My girlfriend has helped me and I can't support them nor pay them back because the business isn't growing. Moreover my son 12 yrs old going to 13. He needs me. Should I sell my truck for about $15,000 or $17,000 pay my debt and and go back to the workforce plus focus on other business ventures??
Another example of buying too much junk that you can’t pay for.
“Yeah you discovered they suck” haha
My girl actually thinks credit card debt should be forgiven what a mess
Paying debt collectors is integrity 😂😂😂😂
Nope. That’s not what he’s saying at all. You have integrity when you PAY THE DEBTS YOU OWE. Has nothing to do with WHO you owe.
You can tell this woman just wanted someone to feel sorry for her and agree with her bs.
She is a narcissist. It's all about her.
Hey Dave, I want to be a nascar driver but I can't drive stick.
Move into F1
I disagree with Ramsey on this. I respect him. However some of that debt owed especially to credit cards includes interest and fees. Take the deal knowing that even if you pay the debt in full the credit card company will keep it on your credit score. The credit card company only cares about squeezing money out of consumers.
I love Dave's advice most of the time, but he is out of his element on this one. You can get a decent mortgage with a 660. AND if she gets that account current, she will probably have a 720+. Bad call Dave.
Nah. A 660 will get you a really high payment and a terrible interest rate
Yeap, Fico sucks! I only have 8,000 in debt, paying consistently except 1 and yet downhill! Smh. Ridiculous done, because they are only going to sell you more debt to get into
am I legally required to tell the negotiator if I have a job and how much I make (especially if I am trying to negotiate a lump sum)?
This is one of those people that think they can use cc to shop but in their tiny little minds they feel no obligation to pay the bank back. Because in their minds since it is not a person that they owe the money to they feel no obligation to pay the money back. She sounds very young and I guess her mama told her she is special.
its not that she dosnt want to pay her bill, It's that she dosnt want to be a victim of a predatory system
That’s called integrity 👏👏👏
Play with fire you get burned sometimes!
I feel bad for her husband.
Eh I'd take the discount. Why not save money?