No. Not your responsibility. If someone put unauthorized charges on the card, it's fraud. That's between her and the card provider. She's lying.

She is lying her ass off. If her ex used her card without her knowledge, THATS FRAUD. Sue him or even have him charged with a crime. She is just trying to guilt trip this guy into paying for her bs. NO is a full sentence. FUCK NO would be better.

She's bold to ask for $12k. If her ex charged her card without her permission, she should report the charges as fraud. If she doesn't want to, she needs to pay it off or try getting the money back from him.

“Run Forrest run.” 😳

No is a word, and don’t forget to break up with her after that word

If she is going to pay you back, then let her make payments to the credit card company. She is asking because she wont be paying back

So she wants him to pay off her last boyfriends debt on her CC .... 😂 go for it simpy....

She’s not asking for a loan she’s telling you how much she costs

As a woman, this sounds so much like she's planning on making you pay off the card and then guilt trip you into allowing her not to pay you back at all. If you were a guy I knew or one of my husband's friends, I would tell you to run from this situation. She just wants to use you, and quite potentially planning to make you pay off the card and then vanish - and even if she doesn't vanish, I bet she is expecting you to propose and forgive that loan in the near future. If you can't give $12k as a gift with no strings attached, don't give it. Even if it's supposed to be a loan.

This the type of woman who will have you raising another man's kids too 😂 bro, dont simp for her

Without listening. NO.

No way. She will dump him right after he pays it off and he asks for it back. She will get another simp to pay for the next thing.

Fantastic video! I have incurred so much losses trading on my own.... I trade well on demo but I think the real market is manipulated.... Can anyone help me out or at least tell me what I'm doing wrong??

If he gave her $12k that would be the last time he sees her.

His gut reaction should have been to DUMP her immediately. She is using you, my guy. End of story.

What a huge red flag

Don't do it! I loaned a boyfriend money. A couple of months later, he proposed. The payments stopped. He didn't feel he should pay it back since we were going to get married anyway. That wasn't how I felt about it. And no, we did not get married. But to his credit, he did pay me back after we broke up (I broke up with him for that and many other reasons). And yes, I did wonder if he proposed to get out of paying me back, if that was his reasoning that he shouldn't have to. It's a bad situation to put yourself in.

A big fat NO!!!

He's a simp

Has he ever watched Judge Judy 😂 “It’s a loan!” “It’s a gift!”

If she cannot pay the credit company 300 bucks a month to pay it off, she cannot pay you either. The answer is no. She doesn't want her wages to be garnished. If the ex-bf spent all that money, why doesn't she take him to small claims court and get some of it?

Run , you will regret your decisions regarding her, get out and disappear. This is going to be a disaster, for Real.🕊️

"She's got in a situation with her last partner" Amazing. If he pays this off and then she dumps him and he gets a new girlfriend, in two weeks we can have HER on the show asking if she should pay HIS debts off. This could go on forever!

I love hearing that "I'm a stupid f'n idiot for asking, but here goes" sound in the voice of these guys.

When someone comes to you for a "loan", it is because the lending industry knows that they are a bad risk. They are a worse risk to you, due to your relatively weak position of recourse. This relationship will not last, either way.

12 grand after year and a half. How ex is the ex?

If he gives her that money he wont see a single cent back and she will know that he have no spine.

Either way this is going to damage the relationship. Say no and get out.

The simpery is strong on this one 😂

Don't do it. Give it to her as in don't expect a payback or just say no.

The SIMP is strong in this one... -YODA

Never loan anyone money, especially someone you are sleeping with. If you don’t think they’ll find it easier to come up with an excuse to dump you and with it a justification for sticking you with the debt then you are really naive.

NO.

This ain’t a red flag, this is the Russian flag. The fact that she asked the caller to loan her money for a previous bf’s mistake is WEIRD. Also, if she didn’t rack up the charges it’s fraud. This just reeks of deception and if i’m him, i’m running for the hills.

People try to predict the economy not realizing it is not a capitalistic market, its a command economy, central planning! my concern is, instead of having much dollar in bank that could lose value to inflation, do I save in gold to reserve and grow wealth for now, or just hang on?

Joe, just tell her... she already has a loan with visa or MasterCard, She doesn’t need a loan. She just needs to pay it off.

I would be preparing to cut that relationship off the second she decided to ask me that 🤷🏿

So according to the caller, his gf wants him to subsidize her ex boyfriend's bad behavior to the tune of $12,000.

What if you break up, not your responsibility, make her sue her former partner.

Don't do it. As others have stated IF the charges are fraudulent she can sue the ex and see if she can get the funds that way. Otherwise she needs to develop a plan to pay this off by herself.

Straight to the comments!

If I were the GF, I'd get a personal loan, pay off the debt and close the credit card. Don't ask others to pay your bills. EVER. I'm a woman. You don't ask a man to pay your bills. You just don't.

DON'T DO IT!

The answer is No. If she cannot pay back the credit card company, why would she be able to pay you back? Even with a 20% interest rate, the extra amount of money on $12,000 isn't that much. It will make things simpler if she would go get a credit card with 0% on balance transfers. Transfer it, and cut the card in half.

No. Help her put together a plan that pays it off.

No marriage talk until she pays off that credit card debt, especially since it was from her ex

Run! Don't walk away from this one!

Did they address that she got into this mess and isn't making strides to get our? Even if ex used her card, that indicates she let him or doesn't watch her finances. Asking for another loan is kicking the can down the road. They need to be on the same page with financial goals and methods or this relationship is doomed to fail.

Borrow? You mean give? Lol

You’ll never get it back ….. just saying

Dude!!! No good deed, goes unpunished

Listened to the call again--her last partner used the card without her permission. Did she report it as fraud? If she did what was the result? Or were both of them legally liable for the debt?

She wants you to pay her ex-boyfriend's bill? Crazy Crazy Crazy.

Didn’t even make it through the intro before coming here to say, don’t do it.

If her ex got access to her credit card and used it she should’ve reported that to the issuer and police to investigate as fraud so she’s not held responsible. It may be too late now since she didn’t seem to see the severity of it at the time it happened. How does he use $12k and she didn’t know immediately or report it when it happened? She’s lying. If she’s asking for a loan you’re entitled to see what you’re helping pay so ask for statements to see what she really bought. As a woman I’m telling you do not loan her money for an alleged ex’s mistake. She should’ve reported that if it was in fact true fraud. She is lying to you and will likely break up with you after you pay (especially if there’s no contact to repay). She’s an adult and you’re not married so she’s responsible for her debt. If you turn down loaning her money and she becomes upset or threatens to break up with you, that’s your answer. She’s not entitled to you paying off her $12k loan. And normally people will ask their family (parents) for money before asking a partner or friends. This is a little odd.

Caller: Girlfriend needs a $12K loan. Show: Get married. 😅😅

Saying no is the best way to see if you’ve actually got a keeper worth more than all the interest she’d pay in information about how she reacts to no

No! Next question

Jesus de Christo, when people say partner instead of boyfriend or girlfriend I just know they wear a mask alone in their car.

Hard no.

Getting a loan to pay off a loan. End result ? Still in debt 😂😂😂

She ran up that debt & is now blaming the ex while looking to get the new bf to pay it off! Pure madness 😂

No. No, period, is a sentence.

Nooooooooooooooooooo!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! You’re NOT married and that’s NOT your problem. That’s HER debt. This whole situation is so ICK!!!!!!!!!

NO! Absolutely not! One time will lead to a second and so on after that. Each time will eventually cause problems driving each other apart. Easier to just fight once and not do it and explain why it’s a bad idea.

NO Don't do it. Just give it to her that's what you will be doing. Just pay it for her she be happy.

That girl playing with you, she just wanted to see if he would do it. You’d never see that money again.

With her mindset, just tell her no so she could break up with you now instead of after you simped and loaned her the money. You don't want a woman like that for a wife.

Does he own his home? If not, this would be $12,000 taken away from that down payment.

😂😂😂 NO!!! You're going to pay for some other dudes free ride. Joe you'd be a fool to do this.

So…. She asked YOU to pay off a debt her last man created? Who shares a credit card with a person they aren’t related to? Did she even tell you what the charges were? This smells like a deal breaker for the relationship

If she can’t pay the bank back she sure as hell ain’t paying you back. Red Flag 🚩 homie

No

This man is a simpleton. Why is he living with a woman he is not married to? You know Dave does not approve of such living arrangements. This is not the whole story. This girlfriend is up to no good. This is my first time hearing that someone stole a person credit card and use it and the person did not press charges, file a police report or fraud report . This is not the whole story. Stop making this lady look very very bad. She is bad but you are too.?why is she not working to pay off her bills? This is not the whole truth.

no. nO. No. NO!!! She ain't cha wife!!! Get rid of it and find a real girlfriend!

If you loan her money, you will never see it again for the rest of your life. She will continue to lie about paying it off and will always have excuses on why she can't pay it off. There's a reason she's coming to you asking for money: it's because everyone else has already said "No"

Ken was on point in this clip. 👌 Great pairing with Jade. She is awesome!!

NOOOOOOOO!!! NO WAY!!! FORGET ABOUT IT!!! RUN AWAY FROM HER!!!

No.

It's telling that she would feel entitled enough to put him into such an awkward position in the first place. 🥴

3:45 "The power shifts, you become the lender and she becomes............not the lender." Whew nice save there Jade! 😅

The answer should be....Sorry, I cannot loan you the money, but I can help you set up a plan to pay off the card. I will be here for moral support and cheer you on, be by your side as you succeed in paying down the debt.

Definitely not his responsibility, the girlfriend should pay it.

The advice they gave him is only training him how to be a sucker. He needs to break up with her and run.

If she doesn’t pay you back do you really want to be paying her ex’s charges?

So she is stuck paying for someone else’s bills, right? But she wants him to pay her bills for her.

Already made one mistake- shacking up. About to make a second mistake-being surety for a friend.

She’s not going to pay it back; she’ll call it a gift.

I have to say, I love the fact that he had to make ONE call… and it wasn’t a family member or lawyer… but to The Dave Ramsey Show! She shoulda googled the show the moment he said it. She would then know the answer is going to be a hard NO! I also believe the 12k is to put into HER account. The idea that he’s even CONSIDERING paying off another dude’s debt is beyond me. He just shoulda said: “I don’t feel comfortable loaning (aka: LOSING) that amount of money”. End of story.

Don't do it. It will cause problems regardless of what happens. If you stay together, it will cause tension between you even if she pays you back (which seems unlikely to me). If you break up, you'll never see a dime.

She would still owe the money just to you instead of someone else. 2nd) what is your long term goals? You have been together for a year and a half but still dating. If you get married then it’s also your debt and pay it off.

NO!!! WHY NOT GIVE HER FPU SO SHE CAN BETTER HANDLE HER FINANCES 😊

No. She wants a loan? Ask a bank / credit cards.

Caller: "My girlfriend is naive, gullible and bad with money." Show: "You should marry her since you are living together so you can assume all of her responsibilities."

Don't do it unless you wanna be her master cuz the borrower is a slave to the lender.

I suspect the relationship is financially lopsided. Perhaps she needs to charge him for her "services" as she probably does the lion's share of cleaning, laundry, grocery shopping,..and more. Then she would easily get the money to pay off her debt.

12k for the ex boyfriends charge up? This is grounds for reevaluating the relationship. She has no intention or the means to pay it back.

Get it notarized

you already lost if you're asking this question.. fella gonna learn the hard way

What about the whole part where you tell them that she needs to hire an attorney and take this ex-boyfriend to court for the damages. He used her card without her permission. Why would you loan her the money, instead of making her get the money back from the person who stole it from her? In essence you're just paying the ex-boyfriend's bill.