💵 Start eliminating debt for free with EveryDollar –
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message –
Next Steps:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan –
📱Download your free Ramsey Network app today! –
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕
🍸 Smart Money Happy Hour ⮕
🧠 The Dr. John Delony Show ⮕
💰 George Kamel ⮕
💡 The Rachel Cruze Show ⮕
🪑 Front Row Seat with Ken Coleman ⮕
📈EntrLeadership ⮕
Ramsey Solutions Privacy Policy
Product Links:
Total Money Makeover:
Questions for Humans: Couples
New! 2025 Ramsey Goal Planner:
EveryDollar Premium Version Physical Gift Card:
Baby Steps Millionaires:
Building a Non-Anxious Life
New! Breaking Free From Broke
New! Get Clear Career Assessment: Find the Work You’re Wired to Do
Know Yourself, Know Your Money
I love bankruptcy. Did it twice. Helped me so much
Bankruptcy seemed to have treated him good. He’s a multi millionaire with multible million dollar business. though i don’t think that he’s not using credit for all we know it could be tied to one of his LLC’S!!! why pay a clown with a microphone to use a fucking app???? debt discharged wich means one can build wealth faster than eating rice and beans working 50 jobs to pay off debt
Dave is a clown. Bankruptcy saves peoples. He himself filed bankruptcy. And now had the nerve to tell people to not file.
Ramsey is a shill and a plant from the major banks to prevent you from filing for bankruptcy. I have about $15,000 in credit card debt and probably thousands more in medical debt from hospitalizations. As a server making decent money in upscale restaurants, I could spend the next 10-15 years paying off all those debts, or I could file for bankruptcy and actually save up the little amount of money I’m making.
Bankruptcy only seriously affects people trying to get big personal loans, start businesses, or purchase major assets. If you’re renting an apartment and only own one vehicle to get you to and from work and have gotten yourself into debt, there are basically no consequences to your everyday lifestyle in filing for bankruptcy.
Why pay off thousands of dollars of debt when you can pay $2-3k for a bankruptcy attorney, stop debt collectors, and start a new life NOW???
I’ve had a couple of consultations, and as soon as I can get through the lengthy paperwork, I’m definitely filing for bankruptcy.
Dave’s advice may have been valid, if credit card companies weren’t charging exorbitant immoral levels of interest rates. America is imploding.