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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Carrenza studio. This is the Dave Ramsey Show, where America hangs out to have a conversation about your life, your career, your money, your relationships. And I am so honored to be called to be co-host on this show together with Ken Coleman and myself, Anthony O'Neal. We are here to take your phone calls. Triple eight eight two five five two five, triple eight, eight to five five two two five.

And going out to Cincinnati, Ohio, to kick off the show today is going to be Rick. Rick, good afternoon.

How can Ken Coleman and I help you guys have some old debt and charter off for a while? Three credit cards and a. A car with. So the credit cards in total for the three equate to about it's going to be about eighteen hundred dollars and the repossessions, which is charged up, like I said, it's about ten thousand eight hundred dollars. Now I have enough money in the account to pay off all of that for some savings. So I don't really need anything as far as credit wise.

I know they get started off in about seven years after we start reporting or hurt my credit about seven years after they charges off.

That's not the case. Eric. Oh, OK, I'll be honest with you, man, you know, I paid off some credit cards that were in collections. I was in charge offs when I was young. And these credit card companies are very, very interesting. They are very, very interesting. And so here's the thing that I think a lot of people need to understand about that. It will answer your question, but I just want to make sure I educate you so, you know.

Yeah, any time that they just go in there and just put a date or any time they touch that account. Any update, something on your credit report that starts the seven years totally over? OK. OK. And so I don't want you to think like.

Well, if I leave it alone today, it's been on air for two years. I got five more years. I'd be good in five years. No, in four years they'll sell it to another collection agency. It starts to seven years, totally all the way over. All right. So how much do you have in your savings account right now?

Rick. Not 20000. OK, you got 20. What do you make a year? About 60 you make 60 K A, you have 20000 dollars in your savings account. What's your question?

Should you pay it off? I mean, or or should you not think was the question?

Yeah. I mean, should I pay it off? I mean, it's a large chunk to take out of my account. Yeah. I mean I guess that that's not going to go away so I need to pay it off. Right.

And what I would do is just in this situation, because it is at a collection agency, you can have you can go two ways here. You choose how you pay it off. If you morally want to pay the full balance, then you pay the full balance if you morally want to do it. If I was in your shoes, I'm calling them and I'm settling for whatever the lowest price I'll be willing to settle for. All right. So, for example, if you owe 800 dollars between three credit cards, I'm going to try and get it down to where I pay about a thousand dollars and push it out there, which a car repo.

They probably not going to settle as much because what the difference is, is you probably turn the car in for an example, for 15000. They sold it for 4200. You owe the remaining balance of ten thousand eight hundred. But in that situation, I've seen some car repo companies, collection agencies go down to where they'll settle on a dollar like fifty seven hundred dollars. So I would just jump on the phone with these agencies and say, hey, what are you willing to settle this for right now?

Cash, I will send you a certified money check or money order. You sure it's up to you? What you want to do, just no matter what, do not give them a check over the phone. Do not give them a debit card over the phone. You need a letter in hand before you settle it. So that way it is in writing and you send them a certified money order with a tracking number confirming that they have it with a copy of the letter that that they sent you to settle it out.

But I agree. You need to you need to pay it off. So that way this can be behind. You can move forward. And then from there, you know how to follow the rest of the baby steps.

Right. And so, yeah, you pay it off, you've got the money paid off instantly. Yeah, I mean, this is yeah, I know it's a lot of money, but it's also a lot of debt you wipe off with one fell swoop. Don't even think twice about I think your advice is great, but do it today. I would not I wouldn't even go to sleep on it. Do it today. Absolutely. Absolutely.

We're going to have a conversation with Joe. Joe, good afternoon. How can Kinen, I hope.

Yeah. So I'm single 21 just started truck driving and had a little bit of vehicle problems earlier this year. And so what I'm thinking right now is I'm debating between paying to get a new vehicle or what I'm doing right now because I only have about three to four days home time a month. So I'm kind of debating should I pay to get a new car or should I just keep doing what I'm doing is spending money on a rental car just while I'm home.

And, you know, so I'm kind of debating between which which is better in the long run.

How much are you spending?

A month on rental cars right around to try to 50 right around the. OK, so about 250, so you're looking at about you're spending about 24, 25 hundred dollars a year on vehicles.

Do you have any debt? The only that I have is a vehicle that I gave back last year. It was kind of upside down in that whole situation. So I got rid of that and paid that off. So that's about 7000. And earlier this year, I finished paying off all my credit card. So good for you that I have.

So you got seven grand on a car that you're upside down in this current car. It's undrivable. How much will it cost to get repaired now? He turned it in.

Oh, I'm sorry, I missed that. OK, he turned it in. It's OK. So. So how much are you making as a truck driver?

Usually it kind of depends on Lowe's, but right around two thousand twelve hundred a week. So.

OK, and is that, is that including overtime or can you get overtime. I could get over time. Yeah, OK, I. Anthony, I'd like to see him get some overtime. He's young, single, and now's the time to get after it. And I would go with overtime to the point where you can pay off that car. And I don't even know if I'd rent a car. I might just Uber. I think he might be able to depending on how much he uses that car.

Yeah. How much how much do you use that car when you're on your two or three days off? Well, being in Missoula, in Montana, everything's pretty spread out so far. Oh, never mind, I got it. All right. Forget to forget the driving around.

Yeah, yeah. So so, Joel, I'm going to I'm going to agree with Ken on this one. I want you to go ahead and get some overtime in and with your budget right now, you're pulling about for 45 to 5000 dollars a month regular. You don't have any expenses. So I would definitely going ahead and just pay off the 7000 dollars of the debt. You know, since it is a repo, you can honestly get them to talk this down a little bit more, maybe pay it off for 5000 and then after that.

Oh, going ahead. Yeah. You know, then going ahead and just stack up the money and just buy you a little cash car. Yeah. It's not going to be long.

So I think I'm OK with the 200, 250 bucks for the rental because he needs it right now and it's only he's only for three days.

Yeah. Makes no sense to go out there and buy a car. Yeah. And then put insurance in that car for it to sit for 90 percent of it.

Yeah. Absolutely agree with you. So you'll be all right there man. Just paid off. Call them. Get a settlement a later like I told the last caller. And after that stack up about five grand about by beta because you're hardly home anyways.

All right. This is a Dave Ramsha.

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That's right. For your family, go to Dave Ramsey Dotcom slash agents and find a trusted agent near you to help. That's Dave Ramsey, dotcom slash agent agent. I'm sorry about that. Going out to Boston. We're going to have a conversation here with Kim. Kim, good afternoon. How can Canada help? Hi, Ken and Anthony, thanks for taking my call. Sure, what's going on? Yeah, so I have a masters degree from overseas and me and my husband just moved here in the U.S. about more than a year ago.

So I am now working in a corporate health care setting here in Boston. And my issue is that I feel like I'm bit underpaid considering my background and the role that I have go now. So I just give you like a background. I started this world with absolutely zero prior relevant experience for about nine months ago, and then I got promoted after six months into the role. So I feel like my manager knows that I work so hard and that I see a lot of desperate and has contributed so much since day one.

So my question is that how do I ask for a considerable, considerable raise given my situation?

Yeah, well, the first thing is, is that you started nine months ago and within three months you were promoted into your current position. So I'm assuming, correct me if I'm wrong, that you received some bump when you were promoted six months ago, or is that not the case now?

After six months into the job, I got promoted.

OK, I got the months mixed up. But the point is that you get a raise or not. I got like because I get paid hourly, so I got like the two dollar rate.

So the answer is yes, you got to raise taxes. All right.

And so now you want a considerable raise. What does that mean? If I gave it to you today and I just said, all right, your considerable raise is granted, how much more would you be asking for?

So been looking at like the market, like average pay for like in the market below that, I have good it's it's a male. So mine is like three or four dollars than per hour, less than the average market.

OK, so it'll be four dollars more or less round up. That's what you want. Yes. You'd feel good about that. Yeah. OK, yeah. Yeah. All right.

So what's the health of the organization right now given covid and the fact that you're in Boston, Massachusetts? Is everything rolling along great? Yeah, OK.

Yeah, absolutely. We're so busy and like we're you know, it's phenomenal.

OK, how do you do you anticipate or are you do you have your eye on another position or you just feel like, hey, I'm underpaid in this current position? Yeah, the thing is, it's because of this like dilemma that I have, I'm trying to like search for other jobs now that just because I feel like I'm underpaid and I feel like it's unfair that I have this role and, you know, I doing a lot of stuff and I am appreciated by my managers, but it's like it's different when it's, you know, financially.

No, no.

I get that. What I'm asking you is, what's the ladder look like for you? Because this is plays into the answer. So do you it. Let's say we got you the four dollars today that would make you feel better emotionally. But I still think I could be wrong. But I feel like your eyes are on something bigger, something higher up the ladder. Is that true or false? Yes, considering that I have like a masters degree, so I'm I would like to be able to like at least, you know, work on something that will help me totally.

I get it. All right.

So my next question is, is that does that position exist in your current company or is that somewhere else? You would look out for that?

I think it does, because now I'm I am a supervisor in this department and I handle like four, six people. OK, but my just my issue is just that I feel like I'm under. No, no, I get it.

I get. All right. So here's the deal. You never directly ask for a raise. I think that when you do that, you go and you say, you know what, I did my research in the marketplace, which I'm glad you did, because that's what you have to do. And my current income, my hourly rate is at the average. I'm not on the low end. I'm not on the high end. I'm at the average.

And I feel like with my master's degree that I've previously gotten, plus the quick promotion you gave me my work ethic. I think I deserve a four dollar bump if you go about it that way. And I know you didn't say it, but if we just say, you know what, I need a raise, I feel like I deserve a raise, it instantly puts the supervisor, your leader, in a defensive position. And that never is good for you.

And that's especially important because the reason I asked you all those questions is you've got your eye on a higher rung on the ladder that exist within your current organization. So you've got to handle this really, really well. So here's how you go about this. I want you to go in and say, hey, I've been here nine months. You guys gave me a promotion right away. That's really exciting because of my master's degree. I want to continue to add value here.

I want to grow my responsibility and as a result of growing my responsibility, grow my influence and then grow my income. I would love to come up with a plan because I feel like I could do so much more for this organization. I know you all believe in me, and I'm so grateful that can we come up with a growth plan that is basically made up of things that I can go get more training on or some skill sets that I can learn on my own that make me more valuable, which allows you to give me more responsibility and thus the influence and the income will follow.

And can we measure that? And can we come up with a plan for three months from now, six months, nine months, 12 months to where I have an opportunity to increase influence, increased my responsibility, increased my income. When you come out it that way, you didn't ask for direct raise. You didn't throw a number at him, but you let him know you want to grow and you want to work with them and allow them to speak into how you can become more valuable.

That shows some humility, Anthony, and that allows them to again speak into a plan. Now, here's the deal, Kim. If they are a healthy leader and it's a good organization from a leadership standpoint, they're going to see that they're going to go. I really appreciate the way she drew that up and laid it out for me. Yeah. Let's come together and come up with a growth plan that if we measure this result, this result and this result, yes, we can talk about compensation.

And I think that's going to give you a clear indication as to whether or not you stay at this organization. Does that make sense?

Yeah, that's how you do that. Yeah, I, I can do that. But I'm going that I'm only nine months old at this company. Do I do that any time soon. I do. I wait for like me to you know, I would do it.

Yeah. I'm glad you asked me that. I would do it. I thought you were saying I want to do this now, so give me that. But I'm actually glad you brought this up. I would wait until you've been there a year because it Ramsey Solutions. We actually do an annual review. I don't know if your organization does that, but Ramsey Solutions, we do that. So the anniversary of when Anthony started, every year around that time, he'll have an annual review.

And I have the same thing everybody does. And so I would wait till your first year in there and I would work really hard over the next three months to deliver some great results and make sure that that they're measured. And now you've got a really good case. So I've told you how to approach it. The win, I would I would do it every year. I would ask for an annual review and just see what that looks like, because that annual review should be a time where we look at the growth plan, we measure it, and then we set a new growth plan.

OK, that's very helpful. Yes, ma'am, never ask for a raise, always ask for a growth plan.

I like that. I like that. I never asked for a raise. Ask for a growth plan. Can't can we talk about my growth plan?

Well, we can't. I don't get to decide what happens, but I can certainly help you do that. I need to grow. I need to sell. But you get that. I mean, you've you've you've helped so many young people and advise them. Here's what happens when the leader feels like they've got an investment. They've got somebody who's humble and hungry and they get to speak into it. There's a less defensive posture. And I think that's why that's going to work much better.

And I think, honestly, your your gifts make room for you. And it's like if you work hard and if you're doing a job to create the right company, it will be like, yeah, let's talk. You know, how what can we do to keep you, keep you happy and keep you here. So great advice. Can love have you on to show. And this is the Dave Ramsey Show. People all over the country are discovering a faith based and budget friendly way of meeting health care costs through Christian healthcare ministries, Christian Health Care Ministries, which is a non-profit organization that helps members carry one another's burdens with health care expenses, and they have successfully shared each other's medical bills for nearly 40 years.

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Eight two five five two two five eight eight two five five two two five. This is the Dave Ramsey Show with Katie Coleman and Anthony Neal, co-host today to answer your questions around money, career, space, relationships, your mindset. So I'm excited to take your phone calls. Let's talk to Bill. Bill is on the line out of Cleveland, Ohio. Good afternoon, Bill. How can a candidate, I hope. I can guarantee that. Well, how about yourself?

I'm real good. Here's a question for you guys. I am 33 years old, OK? And I just joined my third company since college. I was at one for about ten years and another one for about two years. And my question is, I've got a 401k at each company that I haven't touched. So should I leave them alone? Should I roll them to to my current for one, or should I roll them to an IRA or something else?

Oh, man, I want you to know that not just to an IRA, into a Roth IRA. So I would definitely reach out to those companies, get the information that you need from H.R. department to go ahead and start that process immediately. So that way you can really start getting that thing to continue growing and you can continue contributing to that Roth IRA. Do you have a Roth IRA right now already? I have an idea I don't believe it's a lost guy.

I think they tried to do that like a back door, a Roth IRA, just because of an income limitations. But I. I don't know. I don't know if that still exists. Yeah.

So I would just reach out to one of our smart Vesterbro and just tell them, hey, I have two four one ks from two different companies. I really want to get these things transferred over. Do not let anyone, if any of our people tell you to throw this into your current for one k hang up on him and they call me back and tell me who they were. No, seriously, I want to know who they are, if they're one of our smart Vesterbro so we can get them fired.

But I want you to roll those over into a Roth IRA and they may make some other suggestions as well that that'll be good for retirement. There's a lot of options out there, but I think the best bet right there below is to rolling into a Roth IRA. How much is in those two? Well, between the two.

Do you have the now one of those? One hundred and eighty thousand and the other one's about 40000. Yeah.

So you said about 220000 dollars. Yes, sir. I mean, yeah, we hang up. OK, I need you to call them right now. Get call them. I'll go to Dave Ramsey Dotcom's for Smart Bestor and you get all the information there. And when someone calls you, you're going to get about three or four of them. And Ken recommends he does is often he says, hey, you know what date all of them, you know, figure out who's going to give you the right advice.

Have them take you out to eat, have them take you to get some coffee, ask them all the right questions. Do not answer the phone. Well, answered a phone call, but do not say yes to the very first one. See which one who you like, because this is going to be a long term relationship. All right. Perfect. Cool.

Thank you, Bill. Yeah. Thanks for the call. You got me going out to Dallas to have a conversation with Alex. Alex, good afternoon. How can. And I help. Hello there. Thank you for taking my call. So I'm 24 years old and I just bought a house last month and I obviously want to make sure I put myself in the right financial situation. I take home about forty five hundred after 15 percent of investing and living expenses, I'm left over with two thousand a month.

And I kind of want to get Dreiser's guidance as to what to do on that 2000, whether to extend the emergency fund, invest more, pay down the house quicker and just two thousand extra months and just want to figure out where to put those dollars back.

That makes you happy, doesn't it? We got a 24 year old mom who's debt free. Yep. How much do you have in your savings right now? About 12000, 12000 dollars in his savings. OK, and he makes 4500 dollars a month.

How much is your mortgage payment? Love five smart, yeah, he is smart, he's way below with 25 percent of what we recommend and he has his three months in account. So the extra 2000 dollars, what should you be doing? Let me ask you this right now. Do you have a currently a Roth IRA? Yes, I have my work, give me a rough following, K., which I match, and then I have myself a Roth IRA.

OK, who are you on?

Are you on a high deductible plan at your job right now? High deductible medical plan.

I'm currently on my parent's plans, though, because I'm under the age of twenty six. Yeah, OK. I'm saving and go. Absolutely.

So here's one thing that you can do when you do get into insurance on your own, you can get an HSA, a high deductible plan that's also has an HSA attached to it, a health savings account. That's another great way to pay for your medical and you can invest that. It's another great way you can start making some money, go towards your retirement. So write that down. So when you become 26 years old, get you a high deductible health plan like what I have, and then I also invest into the HSA, which is I can pay all the money of any medical bills, any kind of medicine, anything around health insurance.

I can pay that tax free and then also whatever. I do not use Alex. I can invest that for the future. So I would recommend that. But right now to 2000 dollars, you can up you can up your savings. But at the same time, mentally, what do you want? Do you have a car? I mean, what can you save for to treat yourself for the hard work you have accomplished as a young man at 24 years old?

I mean, I drive a Toyota and it works fine, but I have one hundred and seventeen thousand miles. Works like a charm. Yeah. Yeah. I don't even know I love it. How much do you owe you. That's what I want to know. Yeah. How much do you own your house.

I put 20 percent down and the loan balance. I already paid three months of payment last month. My loan balance is one seventy five. Oh yeah.

Oh. I got to say I think you need to put some of the two thousand towards that extra mortgage. I would, I would knock that down. He was 24 years of age.

And you're such a gold guy. Have you called your, your, your, your mortgage company just to kind of get an amortization and kind of see what you've got left and how quickly you can pay that off? I'd get into that. That's one of the things that for a guy like you being able to see how quickly you could pay that off, that could be a game changer for you.

Yeah. What do you think the house is worth? It's about 28, so I got a little bit under, so which is a good thing. It's a great thing.

Yeah, I'm with you on this, but I would put some towards paying that principal down faster because I think you could knock that out pretty quick.

Yeah, absolutely. Man, I would definitely do that. I would call like we said, call your mortgage company, tell them, hey, I'm planning on making an extra thousand dollars a month payment. What can I do to what would it take me to? Did you do a 15 or 30 year loan? Thirty. OK. All right, so I would definitely call them and you can knock this out within actually about the next 11 or 12 years, maybe 11 to 15 to be more a little bit more accurate.

But I would definitely look into that. Alex Mann, I. I want to take my hats off to you, brother. A young man, 24 years old. I didn't ask him if he was single because if he was single boy, boy, boy, ladies looking here. But a YouTube world, we eat you alive right now.

You know, one thing and one thing I would say to Alex, I think it's worth him talking to his current mortgage broker and also shopping around with rates as low as they are for 15 year mortgage. Yeah, because he can go up.

He can't afford to go up. I think, again, I'd look at it. And if and if the increase in the payments still falls with under that two thousand, I'd really consider that.

Now we're talking some serious headway.

So I'll consider it at consider it give Chirchir mortgage a call outs. If you're still listening to us, give Churchill Mortgage a call. Tell them, hey, Anthony can call me from the Dave Ramsey Show, recommended me here. And I want to look into a 15 year fixed rate loan and see. Exactly. See if they can help you out with that. All right. So, man, I just love you. But, you know, can't that's why I do what I do.

Like, I really enjoy hearing young people went, oh, this is a 24 year old, you know, debt. He's on his way, you know. Homeowner. Yeah, it's all right.

Twelve fifteen thousand dollars in the savings has a fully invested four one K and a fully invested in a Roth IRA.

We just have answered yes to everything you asked. And I'm sitting like this. This is what I'm here for. Like this go.

This is what a Friday looks like when a call like this is the best call all day, best call it is best call Ardella young people, huh? This is the day Ramsha. Scripture quote comes from Romans 12 verse to do not be conformed confirmed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect. AC Benson says very often a change of self is needed more than a change of scene.

I to just read that first sentence again in 2002. Do not be confirmed conformed to this world. I love that scripture can when I think about that, because oftentimes no one reason why a lot of people get into debt is because they can feel like they fall into what is the norm and they are not really being different.

So that scripture is is amazing. I read that scripture actually often at least once or twice a week. Danny is in Denver, Colorado. Good afternoon, Danny. How can Ken and I help? Hi, guys, thanks so much for taking my call. Let's see, so I am on baby step number two right now, working on my debt snowball. My oldest debt is also my largest debt, about four years old, couple past medical bills that have been combined for a total of thirty nine hundred dollars.

Well, on Tuesday, I received a court summons with a court date. I attempted to contact the collection agency today to negotiate prices. You know, after listening to these recommendations, I was willing to offer them twenty five cents on the dollar. They were unwilling to accept it. They were willing to give me 50, 50 percent basically off so it would come out to about two thousand dollars after some added after some added fees that they tacked on.

I basically I offered them fifteen hundred dollars, but I would be able to pay. They said that they would have to send it off to the vice president of the collection agency company and to have it approved. Long story short, a 30 minute phone call later. They were not willing to accept the fifteen hundred dollars at this time. And they also said that they would only be willing to accept my debit card over the phone and they would not be willing to send me the letter with the discounted price, essentially.

So I guess my question is, do I give it a couple of weeks before the court date? Do I contact them here in a couple of weeks and ask them to come down again on the price they're taking in court?

Over thirty nine hundred dollars or. Yeah.

Four thousand nine hundred dollars. Exactly. And and they said if I wait on this and don't contact them back today, then they are going to tack on another hundred or four hundred dollars on top of it in order to to pay the attorney fees and all of that if I don't come back today.

So, Danny, this is a credit card. No, it's it's medical bills. OK, as medical bills and who how do you know you're going to court? They gave me a court date. I did get a court summons with a court date back to November.

It's November 17th and you got a court summons from them, a collection agency or from the court you're going to court for. The collection agencies paid a gentleman to show up at my house on Tuesday evening and give me the piece of paper that has a court date on it. Yeah, yeah.

OK, so here's here's the thing. If I was you, they offered you two thousand dollars and the 39 hundred dollar bill, what was their final? Is that their final number? That is our final number, yes. He said, if I don't keep up today, they will have to, like I said, send it off to the vice president of the coaching company if be willing to come down more. But that's when I will be tacked on.

So here's the thing.

If I go back the 2000 I like, here's what I do now. And here's where I think is is is fraudulent. They're not willing to put it in writing, OK, because so it it sounds like what they're trying to do is get you for the 2000, still take you to court and get the other nineteen hundred dollars. All right. So if I was you I would call them back and say, you know what, hey, I'll pay you to thousand dollars.

I just need a settlement. Infl four letter faxed to me, emailed to me, mailed to me. However you want to do it, call number two. I will give you the money. I will overnight you a certified check. Today I will give you the tracking number. I will even give you an email, you a copy of the picture of the check. But I'm sorry I cannot and will not give you my debit card over the phone and I cannot and will not settle anything without something in writing and.

Oh, yeah. Let me ask you a quick Anthony. Danny, do you have emails from them or was this over the phone where they said they would not give you a written agreement on the settlement of 2000? That was that was over the phone today. Yes, that was over the phone. OK, I'd call him back. First of all, the fact that they're threatening you with talking to the vice president, it's like, Lou, whatever you do, don't tell the vice president what's going to happen if the vice president finds out.

Here's the deal. Call up and go. Look, I got two grand right now.

Right, talk to the supervisor, whoever the clown is that you've been talking to, they report to somebody, get the supervisor of the clown on the phone and tell the supervisor, hey, I'm ready to go.

Send me this email however you want to word it. I've just give me your email address. I'll email you, send me the agreement. That's all I need. We don't need a court date. I'll pay the two grand. They don't want to go to court. That's all a big giant threat in the first place. That's all a big break. That's all a big thing designed to intimidate you.

And so that's just all a bunch of junk. It's not worth the paper they print right now. So, you know, it's ridiculous.

So you're ready to go. You got the two grand and you're ready to go? Yeah, I'll take the truck.

I can take it. I can do that. I can do that. I can do the two thousand. That's totally fine. Like I said, she just the fact that she wasn't willing to use that money, you know, to get a debit card over the phone.

No. Yeah, yeah. Just say, hey, listen, here's the deal. I'm going to take the two thousand and so I need you to send me that and I'll I'll send the check, let me know where to send the check to. And if she can't help you say let me I'll, I'll, I'll hold put me on the line with your supervisor. They record all that stuff. Absolutely. And so you just, you just you become their nightmare.

You turn into what they are and then you drive them bananas until they go.

Yep, here it is. And you do exactly what Anthony said. But you got to take control of this deal.

Right. So what's worst case scenario? What if they say, no, we can't accept that? Because I tried a couple of times. I was I I offered to send her, you know, the check today if they were willing to accept the fifteen dollars. And she said, nope, my supervisor won't accept one or two thousand. So what if she says no? What's next? Do I wait a couple of weeks before the court and contact them again and try it again, or do I go to court if that worst case scenario, do you think they would actually do that?

I just don't think you need to know.

I don't. Well, I just I don't think that that's going to happen. If she's telling you the truth, then let's find out if the supervisor agrees. Say she this lady told me you write everything down, you got to take copious notes. Yeah. And they record this stuff.

And if they are, they're recording it. I want you to tell them your record. Yeah. Tell me tell them you want to record it. But here's the deal. If the supervisor said they won't take less than 2000, then get to supervisor on the phone and verify it. So I'll give you 1500 to settle.

Don't no more games with whoever this person is. Right. And so let's get out. Let's get somebody that's up the ladder a little higher who will then send you an email or type a letter up and email that to you. Scan it, send it to you. We go, OK, we agree to settle this debt once a certified check is received, blah, blah, blah, blah, at this address. And that's how adults do things.

And then that's what you do now. You've got the agreement which will hold up and you send the certified check and there's no court date. But I would just I wouldn't take no for an answer. And then if they just are absolutely idiots about it, then, yeah, show up at court with your certified check. Ready to go.

Absolutely. And then she'll show up at court, which is certified check for two thousand dollars plus a copy of the not a copy, but also the voice memo of you and them having a conversation that they will they will settle for 2000. They don't want to go to court, Danny. Exactly. And I'm just surprised, Danny, that they even sent someone to your house for thirty nine hundred bucks because to go to court is going to cost them more than 400 dollars.

It's going to cost them more than it.

Yeah, it's just part of the that's is part of the tactic.

So it's a bunch of I get frustrated with it. So I would not trip over that. Danny, honestly, I would just get on the phone, my supervisor going ahead and get them to give you that information in writing. But do not do nothing until you have something in writing. OK, Coleman, it's been fun, very fun. Always good to have very fun.

Um, I think our producer, James Childs in our associate producer and phone screen to Kelly. Daniel, you guys don't forget that the caliber of your financial future will be determined by the financial decisions you made today. And you may one of the best financial decisions by listening to Ken Coleman and myself right here on The Daily Show. This is James Childs, producer of The Dave Ramsey Show, you can listen to Dave Rachel Cruze, Chris Hogan or the rest of the Ramsey network anywhere with the Ramsey network app on your smartphone.

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