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

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

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

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

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

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

Welcome to reality of marrying people who were already married!

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

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

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

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

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

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

He sounds clueless and irresponsible. She sounds very confused.

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

Debt follows people… thats why Dave is so against it

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

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

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

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

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

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

Glad to see Dave is back

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

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

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

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

This was a really good episode of Dave Ramsey.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

People bring your receipts too the call. Lack of information

How about you just don’t get sued🤷‍♂️

I’m very happy my dad showed David Ramsey

sounds like he's a winner.

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

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

The consumers are paying for this debt.

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

You need to consider the statue of limitations too

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

Lol GO Dave!

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

I really hope she offers $1,743

Hey guys.

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

*Lol, ex wives to the attack!*

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

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

So, have you tried delivering pizzas?

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

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

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

The guy not sharpest tool on shed you got a winner

Be careful who you dealing with

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

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

One of the problems of divorce and remarriage

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

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

Good grief

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

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

tickled.... hahaha

I would not even offer that much I would start at $600 bucks maybe

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

It's working. ha

I would send a cashiers check and photocopy the check.... photocopy every single piece of paper esp the agreement to dissolve the debt

You've got to dot your i's and cross your T's, in other words you need to take care of your own concerns and not assume that someone is taking care of it. It's lazy and sloppy.

The more I watch this channel, the more motivation I have to never get married!

Excuses

It's like that Machine Gun Kelly song. My ex's best friend etc. It is almost like they are talking about their past in future tense. So convoluted. Just stay with one person or no one. XD

The wife and I buy our own cars.

I disagree with Dave on this subject entirely because I have seen first hand people try to negotiate with these debt holders and it never works but instead, they end up getting their wages garnished at a substantial percentage of their income and they are in a worse position than they would have been if they had just tried to negotiate a payment plan with the debt holder.

Caller: "I'm not mad at my husband, I'm mad at the situation..." Dave: "I'm mad at him" (D)Baloney: "Yea, you can be mad at him, I'm mad at him" Now imagine if the roles were reversed and the caller was a man, would Dave and Baloney tell the husband to be mad at his wife?

If this is part of a divorce settlement - through the courts - why can't you send a copy of the divorce decree to the debt collector and let them have her held in contempt of court? They hold parents in contempt for parenting issues so why not debt also? (haters: children vs debt is not the issue - court order compliance is)

No marriage, less problems. 💯

Dave doesn't do anyone favors by criticizing debt collectors. It just enables people that make bad decisions and don't take responsibility for their actions. The most ridiculous thing he says every time is about giving them electronic access to your checking acccount. Beyond stupid. If a collection agency took more money from your account than you authorized, theyd be doing you a huge favor. The whole place would be shut down by the end of the month and they would be AT MINIMUM paying off the debt they called you on, and likely way more than that. Wish Dave would stop spreading these lies.

She talks too much

Goes home and kisses his kids - Assuming they love their kid(s)…chances are they are horrible to their family, if they have one in the first place.

get a divorce, asap! who knows what other skeletons there are. run, now!

The guy on the left is an absolute joke

First

That grand old song: Indiana wants me It's been 10 years since I moved and got a new land line # and ever since then I've been getting occasional calls for some guy on a bad debt. He's now listed as a possible 'relative' or 'acquaintance' of mine on Google. Say what!!!!

I wish there was a way to settle on student loans.