Shonda (Caller)
Appearances
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Yes, I have money stress. I have an income of like $22,000, $24,000. But I have two collection agencies. One is $5,000, which I could pay. I only have $2,000 more to pay for that one collection agency. And the other one is $8,000. And I don't know what to do or begin to pay that debt. I don't even know where to begin.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
I haven't talked to that collection agency at all because I don't know what to do because I don't have the money to pay them. Okay. A driveway that needs to be fixed, that's like $20,000, they say.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Yeah, that's an upcoming expense. Okay.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Um, I have student loans. That's a 50,000 a car loan. That's 11,000 a home loan. That's 75,000. And I was like, um, one month behind, I think I just caught up and, um, let's see, um, credit card. That's 200.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Yeah. No, that's the total. So I was going to pay them off next time I get paid.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
That's an assistant, but I feel like I'm overwhelmed. I don't know what to do, and I know y'all say don't play the lottery, but I've been trying to do that.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
That's right. Like 40 hours, and then sometimes I pick up on my off days. Okay. So I'm working. I'm working.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Yeah. Well, I went to school for different, well, I really went to school and didn't really get much of a degree, about one degree.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Years. And I haven't made a dent. And I made, you know, during COVID, they wasn't taking any payments during COVID. They were sending money right back.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
That's right. So, I mean, so what do I tell them or what do I do? Do I write a letter? Do I call them?
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
I don't know. Like the hospitals or something like that. I don't know how much they...
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Because long-term, you need a solution. Yeah, agency pays. I mean, I guess agency.