“They Don’t Give a Crap About You”
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Pay off what you owe and never borrow money again.
Exactly 💯 👐. Manage and pay your debt.
She owes the money, she should pay it.
Pay what you owe...period!
She's in "economic hardship." This has got to be white men's fault...
You weren't scared when you ran up the debt.... be responsible and pay your debt.
Capital One, is that you?
You do realize the called was a woman right? It's never her fault, it's "social pressure" and "greedy banks." I'm sure she'll find a way to blame the white man.
Her credit is already dinged, she might as well settle for 25 cents on the dollar. Credit card companies make a killing off of interest to make up for this very scenario.
@@CokefishR credit doesn't matter when you live in public housing and your get EBT.
@@zvmZvm0102Then don’t create debt. Period.
Dave. Stop petting the dog for crapping on the carpet!
DEI mandates that he HAS to pet this dog.
Lol 😆 best comment!! Dave is just pissed at the banks because he thinks they are all greedy and dishonest. Especially because he went bankrupt getting all these home loans back in the 1980’s!!
@@famousamos1 They ARE greedy and dishonest. It's built into their corporate structure.
@@AmberionBanks are not greedy and dishonest. Banks are for profit companies private or public. Credit Unions are nonprofit banks. Your stance on all banks are greedy and dishonest then any for profit business is!
Most people are greedy and dishonest. Again you borrow money from a bank and they expect you to pay it back!! Try doing that to an individual person. Borrow money from a friend or relative and don’t pay them back.
Genuinely curious as to why Dave goes back and forth between "you borrowed the money, you're responsible for it!" and "just offer them 25 cents on the dollar and see what happens".
Because she’s already in the position of having not paid the debt. She’s literally going to court about it. She’s already up the creek. She should pay her debt but she obviously is beyond that conversation
He's explained this in detail in other videos
Because it's still a voluntary transaction if they agree to take the lesser amount.
Umm... it's called negotiation
Because it is a debt relief show that he tries to mix moral in with. With the recent student loan rants it is a bad look for sure.
The credit card company isn’t the bad guy. She took the money and she should pay it back. Beans n rice, rice n beans til you pay it off.
But she doesn't want to work, so what are YOU going to do to help her!
@@zvmZvm0102 What does she look like. We might be able to work something out.
No, credit card companies need to stop giving large loans with no collateral to people who don’t have any money. This is the risk of the business and they have gotten their money back in interest already. This is as much the credit card company’s fault as it is hers.
Their late fees and penalties are exploitative.
"Call up Capital One boy..."
Legend! 😅😅
"My financial advisor said I'm a chapter 7 looking for a place to happen" 😂😂😂😂 and the follow up from George " they'll know what it means" I can't with this duo 😂😂😂
They’re not accepting it. If they can get a garnishment they will get it that way. Alot of places will take their chances with bankruptcy candidates also.
I always love to hear Dave teach people how to dodge paying their debt!!
Call me crazy but if you borrow money you should pay it back...
Your a responsible human..🎉 your not welcome here😂
Amber this is John from the courthouse. We want our 7g. We know you have it!
Swipe now, pay later. Life lessons in that mentality!
George is thinking "where the f- is Ken with my Chipolte order?"
“It better not have sour cream this time!”
“I wonder if he got asada on it like I asked.”
Hahahahhahahaha YES! I was thinking the same thing….But the Truth is Ken promised George he is gonna get him food..However, on his way back to the studio Ken ate it all…And he washed it down with a Ice Cold Dr Pepper 😂
😂😂😂
😂
Or.... Be an adult and pay back the money you already used.
Except the people collecting the money are feral robots not adults, so nothing wrong with playing hardball. This is why Evanhamilton7969 doesn't have the hundreds of millions dave has. He can't generate an income from instilling hope in people, because his brain tells him most people don't deserve hope. haha. L brain
Yes, it's kind of funny and Dave seems sort of heroic, until you ask who is actually going to end up paying her bill. It's likely you and me Evan.
You know why the credit card interest rates are like 30%? Because they know a certain percentage of people won’t pay back their debt and they have to pull money from the other people to cover that and still turn a big profit.
So I agree. If you borrowed the money, freaking pay it back!!
And the amount of time that will be wasted by her to figure out a way not to pay back all of this money instead of just finding a part time job to pay it off is ridiculous
Far too complicated an endeavor for her...
I thought Dave Ramsay is you took the loan it is your responsibility to pay it off -person.
Apparently not if you’re a black woman. He just taught her a new scam. Charge up all your credit cards to the max and pay 25% back.
@lalanessa9382
0 seconds ago
I must of missed the part where she told us her race. Are we watching the same video? Or maybe you have super human powers and could see how she looks like…. The other option could be is that you’re an ignorant racist and if you are this channel isn’t the one for you. This is a channel with Christian values. And in the eyes of God we’re all equal regardless of race.
Nope Dave states credit cards are immoral so the industry shouldn’t exist. Why loan so much money in the first place?
He is, but he’s also realistic. This debt is beyond the “just pay what you owe” phase. It’s going to cost more in lawyer fees and headaches for capital one to get their money back than the debt is worth. If they’ll take a settlement then it’s worth it for both parties to just take it and move on.
Dave's response is shocking and inconsistent with previous advice. Wonder if he regrets giving this advice. George seems surprised also.
She's female and black, the 'toughen up, buttercup' type of advice is reserved for white males.
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What about people being honest and pay their bills like he told so many with student loans? She spent the money and enjoyed it and he's telling her not to pay the debts she accrued. I want some books from Ramsey but don't want to pay for them...how well would that go over?
Most student loan money doesn't go to tuition or books. You can travel on student loans or buy a car or make a down payment on a house.
So this man Dave Ramsey tells students to pay off their student debts, but if a stupid person wastes money on frivolous crap he tells them not to pay them? Wow what a responsible advice Dave Ramsey!
@@sousous31 like everyone, he was just telling the black woman what she wanted to hear..."oh you poor victim!"
These credit card companies and creditor's especially medical they don't settle nearly as often as Dave thinks. Times have changed.
@@djpuplex people used to only do it if they had a divorce or illness. Thanks to guys like Dave it is the first option and 75% can actually still work and pay. At that point why would you settle?
It all depends. If you speak with an active voice and tell them I'd like to settle and negotiate when you seriously have nothing and cannot pay while at the same time telling them if they dont take it I will declare bankrupcy and you will get zero then they will take it. If you are lying and you have money (can afford it) and they see you do with assets and paychecks it wont work. They will because the avg person in that case does file if they get a judgement.
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I wonder if Dave would settle for "pennies on the dollar" from his renters. 😋
I highly doubt Dave charges loan fees and interest on rent 🙄
@@laurol4342 bet he charges late fees for not paying rent on time,
That's ironic. Dave proved this week with the app that he doesn't give a crap about his listeners.
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I don't like credit card companies anymore than the next person BUT I don't have consumer credit card debt!!
Many on here are knocking credit card companies rightfully so, BUT here a novel blanking approach, DO NOT GO INTO CONSUMER DEBT!! Wow that was so blanking hard, lol!!
The people I feel for are those that accumulate medical debt because NO ONE asks to be sick, diseased or injured!!
That happened to me. Medical debt for one long hospitalization wiped me out in spite of my very good and expensive health insurance. I paid it all off, every cent, but it left me without savings as an old lady. Here’s the thing though, I had zero debt ala Dave Ramsey’s Financial Peace when I got sick and that saved me.
I agree with you @GAFB112 Most of the time, they caused it, they should pay it.
A medical emergency where the person did everything right and still got in a jam, that person has my genuine compassion.
The good news is I personally know a person whose child spent over a month in a hospital NICU unit and had the entire seven figure debt forgiven via a program that exists in Michigan.
Had that debt forgiveness not happened, the mom and child would have been in financial destitute for life.
Thats the type of situation where exceptions need to be made, and I’m so glad thats what happened.
Today that child is in elementary school, growing, learning, happy, the mom is not rich but works hard, lives a simple life, and loves her child.
@@GAFB1122 I did make the make of going into credit card debt... and I worked my butt off to pay back every dime of it and never did it again.
Dave is totally wrong. He should tell,her to pay her damn bills like he tells student loan Debtors. Debt is debt. You made it. Pay it.
Because Dave knows that student loan debt is not negotiable. Your only option is to pay them off. But if there is another option or way out, he does encourage his callers to take it.
@@kbcinmedusn and this makes it more expensive for the rest of us when people declare bankruptcy on credit card debt that they ran up buying frivolous shit that responsible people don’t. It makes me furious.
@@VioletEvans-yt2fdTaxpayers are on the hook for student loans.
@@silentnot4812 they are if they’re forgiven. Who do you think will pay them?
Exactly 🎉
So with student loan debt, Ramsey says pay it off even if you might get some sort of forgiveness, but with CC debt, he says screw them, don't pay them. Ok, got it.
He’s speaking in reality not opinions/feelings. The fact is there are a lot of people who are not getting their loans forgiven, even the people that were promised they would be. So as a safety net it isn’t finically smart to count on something that has proven isn’t successful.
Meanwhile with cc debt as he mentioned, they almost never collect and will gladly settle and get what they can. So if the borrower is willing to let you off the hook, that’s on them.
Student loan debt is essentially secured debt from a legal standpoint. You either have to be permanently physically disabled or dead to have the debt discharged through the normal legal process. Or I suppose you can hope that a politician that can't even figure out how to put his pants on in the morning will waive a magic wand and forgive the debt! Even though that's Congress's job to make fiscal decisions and is illegal for the President to do without Congressional authorization.
Credit card debt is UNSECURED DEBT, meaning that the lender doesn't have a claim to anything from the borrower if they fail to pay unless they get a judgement from the courts. Even with a judgement, good luck getting the money. There is a legal process for discharging liability for that kind of debt through bankruptcy. After 7 years the credit card debt gets wiped off your record. Student loans are NEVER wiped from your record unless you're disabled, pay it back in full or die.
Apples and oranges difference. Dave is CORRECT, you are not.
She’s already gone to court lol you can ignore your student loans if you want to. He just doesn’t recommend you do that if you want to be debt free and being tied up in a pipe dream for a decade. Do whatever you want
he takes this personally. he was getting calls from American Express for not paying. but he never has student loan debt. so he's like "lol this is okay but this other thing isn't"
Student loans don't usually get forgiven, cc companies do usually settle. Not hard to understand.
What world does Dave live in where you can call the court like that? I wanna be part of that world
Dave advising perjury
She would not be under oath jackwad.
Or she could pay the $2000 upfront and then make payments. You know, pay what she owes. After all, she did swipe the card and spend the money on things.
Keep in mind that in cases like these where people have been struggling for years to pay off credit card debt, what they owe is sometimes 2 or 3 times what they actually spent due to interest.
@@taniaf.9576 yes. They are paying for the service of tying up capital one’s money. The same as any other customer.
@@taniaf.9576 Yes. They knew upfront they were going to pay interest.
Sounds like you work for capital one
@@taniaf.9576 The interest is there to ensure the lender makes money off of the loan. People will stop lending money if interest gets capped.
She owes the money but thinks they are awful for trying to collect it. I hate it when Dave encourages people to scam their creditors, while claiming Christian principles. The rest of us have to pay for that
Dave is big friend with MLM guys. Not quite the paragon of virtue he pretends to be.
@@joesmith3590 Agreed. MLM's are every bit of a money pit and every bit if not worse than timeshares but he never bashes on them as obviously he has got some friends in them.
You are so confused. They will sell her debt to a collection agency for the same amount. He’s recommending she cut out the middle man.
@whosaidthat9265 the reason they have to sell the debt is because she won’t pay it. She should just play the debt that is the honorable and Christian stance.
@joesmith3590 of course she should pay. She should have paid monthly for years. By the time it gets to court it means she has ignored them for a significant amount of time. She chose to go to court. There are a lot of things already set in motion that can't be stopped. She has to offer a lump sum at this point. She put herself in a hole. Dave can't advise her on how to undo what's already done. He's advising her on what her options are right now going forward
Dave Impressed me here.. Calling it for what it is..a game. Debt, credit cards, civil Court.. It's all a game.. You want to take about morals? Why are the CEO and board members of all of these retail companies making hundreds of millions if not billions of dollars a year when all this person and all people like her just want to buy a couch, or a weekend vacation, or whatever she got into debt for? That ain't right, but the law supports them and then people jump on the bandwagon because they're sheep
Dave Ramsey is a good man
Dave has a lead foot😆
I love Perry Mason!
In all the books I've been able to find so far, 3 times his client is guilty -- and Perry helps. She's always an abused woman. Good-oh Perry.
I love this type of Dave
If you have a $7k debt that is in collections and they are taking you to court and potentially garnishing your wages for this and you have no realistic way to pay that debt, go see a bankruptcy attorney. This could be your best play to knock out this credit card debt along with other credit card debt you already have. In this situation, bankruptcy is the best path forward. It’s what it’s there for.
Pay your debt.
If only there were away to not get hauled into court for not paying your bills.
Yeah, it’s called bankruptcy. This is what she should be doing at this point.
Never pay the ones that bought the debt... Pay the ones your bill is threw directly!!!
Get to work and pay it off, lady!!
They've already sold your debt to a bond manager a long time ago. They are just making a show getting the balance just to be able to say they tried. Even if they get nothing out of you they will issue you another credit card in 6 months. Same thing happened to my grandmother, only the credit card company didn't even show up for the debt restructuring. She still got the new card within a year.
Here's an honest young lady ready to stand up to her responsibilities and -- WHAT? My chum's stepkids max out cc, get collection ltrs, get new cc and start all over again. They own nothing attachable - she doesn't 'care' for them and every time one of the sons (or SILs) drops by, their dad is missing tools. Prayers for the best to this young woman.
She's not standing up to her responsibilities at all. She's not paying her debts but expects to get a free pass essentially from the credit card company.
Weird call. If you borrow money you need to pay it, period.
A lot of you commenting missed Dave's point. Hes not advising people to take out debt and not pay their bills. The caller was at the end of her rope and the debt collector was punching above his pay grade to scare her. The fact is when someone is in serious financial trouble there is a way out and the fact is the dummy was saying pay everything in full now when she was ready to file bankrupcy and instead of him getting nothing which is what happens often in this case he has the option to get a decent percentage rather then get nothing. The truth is what Dave said is standard collections practice 101 that when a debtor cannot pay they will settle for usually pennies on the dollar rather then ZERO. Then afterword stop using debt period.
After she pays this off she'll open another credit card.
She wont learn from the experience.
You forgot - get it in writing first that they are taking X sum and clearing the debt. AND, never give them access to your account information or other CC info no matter what
I am surprised Dave didn’t ask where she was on the baby steps
Call the judge to rescind your offer to make payments and lie? SMH
Wow - my husband and I followed your principles 20 years ago, ate the beans and rice and worked a plan for 5 years. My son, who was financially inspired by our progress did the same.
Why would you encourage this young lady to NOT pay debt she owes? Like you said - “she’s not bankrupt.” She should pay her damn debt not get $5000 worth of free goods and services for incurring the debt.
I am disappointed in your advise to her Dave. That’s not advise you would give your own kids or anyone else’s I would hope
Nobody is morally right a hundred percent of the time. You're talking about Dave Ramsey here. This is the guy who fired a woman who got pregnant without being married, but when it was discovered that another one of his employees had an affair, he let him stay employed as long as it was convenient for him. There's another video where Dave Ramsey encourages a young man to lie to a dealership to settle a car debt. It's not surprising that business men aren't honest 100 percent of the time. Look at the business people who don't pay taxes. If you could find a way to make or save money by doing something not morally right, there's a very good chance you would do it.
Dave is ok ing running up debt and not paying
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You sir, Mr. Ramsey, are a good man! I sure hope that Amber takes your advice!
Chapter 7 in most cases is less than 2 grand and if thats your only entry on your credit report you can recover 24 months post discharge. so that is a viable option provided you dont plan to buy a house or car in the next 24-36 months. You can only pull that trigger once every 10 years so use it with caution.
She ran up the bill so just pay it. Why a company to take a loss because she is a deadbeat, who doesn't pay her bills. She made a choice to charge up her credit card and not expecting to pay it. My guess is that she has the money to pay her credit card bill and they know it.
People in debt just disappear? And creditors won't find their debitors? What a weird system, imho.
Come over here where I live, if you get into debt you'll be cinched for quite some time, if you'll be left off the hook with just what you're wearing, you're lucky.
Loan sharing is illegal so it's a mystery to me how Citibank, Discover, et al, can even legally be in business!
The interest rate are incredible! Should be against the law
How do you get into the Lender business where people owe me? Seems very lucrative
Some people just need to stay away from credit cards. 😒 Cry me a river..........
Why do people think they shouldn't pay their debts?
@@kensmart1976 Because they're spehshooll
If they gave a crap they wouldn't hand out credit like candy at Halloween.
To be sure of you incur dent you ought to pay it off, im not sticking up for not doing so
Stop borrowing people's money, whether individuals or companies. Pretend they never existed. What would you do if that were the case?
Dave's approach is hilarious and will probably work.
How Christian of Dave to refer to the lawyer as a moron, even though he doesn't even know the guy or anything about him. Also very Christian of Dave to encourage people to not pay their debts that they willingly took on. And of course, very Christian that he calls credit card companies and yells at representatives.
Clueless
I need your advice! Im in the same situation except i haven't been to court cause I subscribed to a payment plan. My debt is $10k im making $200 a month payments, the account is charged off so no more fees or interest. Now, i know my credit score is screwed and making the payments will not have any positive effect on it but i don't think i'd be able to sleep at night knowing i owe this money and i don't at least try to pay it back. Listening to Dave's advice here is making me doubt my decision especially cause he specifically told her not to do what i'm doing! 😅 What do you all think? Should i continue with the plan or stop paying and hope i can settle for less?? 🤔
Lawyers are just following the guidelines given by the bank.
This situation and Dave's answer just isn't right. You took out a loan for $7,000, so you should pay the $7,000 back. It's irresponsible people like you that cause the price of everything to go up. Be responsible!
Credit card companies are pure evil they are criminals!!!!!!!!!
@@Kevin-wj4ed If that is truly the case, then maybe the borrow should stop using them. But no, that makes too much sense, lol
Nah, the reason the price of everything goes up has nothing to do with national credit card debt or settling debt. educate yourself, defaults and settlements like this are baked into the credit model
@bobmcdoggish9659 next week i am paying off $20000 credit card debt . Never again.
@@leborhal7450, as you just admitted, deadbeats are the reason we pay so much.
Dave math: 100% - 98% = 0%
I HATE Capital One
Pay your credit cards...not rocket science. Had them for years now..no issues.
Curious - why? I’ve never had any issue with them and I like their credit cards.
If you only borrow what you can pay back and pay off your card each month - you will have zero problem and probably earn a little cash back.
I personally don’t put a charge on a credit card unless I know I have cash sitting in my bank account already to pay it off.
To bluff you don't show your hand to everyone.
Thank you, it was a good article
I took out a mortgage, how can I get away with paying way less than I signed for? 🙄
Funny how student loans to get education Dave says pay what you owe. But with consumer debt pay way less than you owe.
I love this advice! ❤❤❤❤
Gosh- I understand some of the reasons people go into credit card debt- but when will everyone learn not to do this? I mean, you have to pay for what you buy. It’s not free. If you want free- go to a soup kitchen. Ask your utility company to put you in the plan for people who do not have the means to pay their electric bill - and have an energy audit done to help save money/ etc…
Dave is wrong here, this company has already taken her to court. Not doing the agreed upon payment plan is going to be called contempt of court, AND they aren’t going to take a settlement. She should be talking to a bankruptcy attorney.
Love This is bugging them..LOL Went though this stuff a decade plus ago. Don't be scared the borrower holds the leverage. Don't be shy offer them less .These people collecting want a payday.
"I am a Chapter 7 looking for a place to happen" 😅
"I'm a chapter 7 looking for place to happen."
The thing is ensure you set some money aside for taxes. Dave fails to mention this. If you get more than $600 forgiven, the credit card company sends you a 1099C at tax time. That money forgiven goes on taxes,as income and you probably will owe some money ....yea you get a break to not pay it but not really...
I wish they'd asked about her situation.
If she's truly been through something horrible in life That destroyed her financially, I get it.
But if she's making good money and she's just not paying her bills, I'm not sure why she's the victim.
Dave tends to do this on these calls and as much as I love Dave I don't really get why he never pushes on whether or not the person just blew off paying their bills..
Her credit is screwed for life, bad advice from Dave. Pay what you owed. Period.
Independent contractor? Yeah, sure.
Garnishee is a noun, not a verb.
You garnish a wage.
The target is a garnishee.
Just pay your debts
I got two speeding tickets in one day I just paid them just got my license
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To bad I can't settle my student loans on the dollar unless they forgive them with the forgiveness plans I potentially qualify for. You borrowed the money, pay it back.
Just pay your $%×@ing debt. You got to enjoy the "free" stuff all you had to do was flash your plastic for, now you get to pay for it. Cut the drama and just f×××ing pay it.
This lady didn't have any hardship while spending their money. Basically, she stole money and is claiming hardship? Sue her and prosecute to the full extent of the law.
Yes, she's the perpetrator and now is pretending to be a victim.
It's not a criminal offense, but the lender willingly gave money to someone they knew would not pay it back and they also need to deal with those consequences
@@raiden031 but the lenders are called racist if they don't lend the most to those people
I love how everyone on this thread seems to be morally outraged by Dave's advice. This is supposed to be a PERSONAL FINANCE show, not "Mr. Rogers." Dave gave some good financial advice here---namely, do anything within your power, as long as it's LEGAL, to avoid paying off debt collectors. Simple, really. And that's how the game is played!
@@aaroncurrence606 that is fine then take out the constant morals. If he wants to be the money guys and not the Ramsey show that is about faith that is fine. Just choose.
But when you preach “pay off your debt” then go into a speech about scamming the loaner, it’s hypocrisy
@@aaroncurrence606 he also claims to be moral and ethical... this advice is neither
Settling for a lower amount of debt is akin to theft. Shame on Ramsey for promoting this. You borrowed money, you pay it back per the contract terms.
I agree to an extent, I really don't give a fuck about banks and their funny money though
I see your point but the industry is incredibly predatory so I won’t shed a tear for them
It’s bad when you do this to people. But these predatory banks and credit card companies charging ridiculous rates, fees, opening fake accounts, and taking record profits? F em. I pay all my stuff but I’m not about to sympathize for these companies.
So you’re crying a river for a multi-billion dollar bank? 😂
You do got a point what’s the difference between this and student loan forgiveness or anything else that Ramsey doesn’t approve of in terms of handouts.
He really dislikes CC companies
All you people that are commenting "just don't run up any debt, and pay back what you owe"....
You do realize that Dave Ramsey made that same mistake with credit and if someone else does not make that same mistake, poor ole Dave will be without a job.
"Perry Mason and Matlock" what a boomer Dave is.
Gazelle or weasel intensity?
I love all the sanctimonious people in the comment section. 🙄
Newsflash, Dave really don’t care about you either 😂
Amber from Detroit needs to lay her damn debt. You knew the interest rate, and you used the credit card to buy what you couldn’t afford anyway. PAY YOUR DEBT AMBER!
Is it courageous being broke but taking on debt? She should have cried single mom so Dave would have paid it off for her.