The Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people, build wealth wealth do work that they love and create actual amazing

relationships open phones this hour I am Dave Ramsey your host Rachel Cruz, number one best-selling

author, host of the Rachel Cruise show, co-host of the Smart Money Happy Hour, and my daughter is your

co-host today.

Open phones at Triple 8, 825,

5 225.

Andrew in Atlanta starts this hour.

Hi Andrew, how are you?

Hey Dave and Rachel, I'm doing very well. Good. What's up? So I've got a very

complicated situation. My wife and I are very big fans of yours. We've bought a house with, you know, 20% down,

15 year fixed rate mortgage, no credit score, following the Ramsey plan, everything everything and about four weeks ago we had a septic week in our yard and so you know it's not a big deal we're in four five or six we've got the

emergency fund called a company out to come check it out and as it turns out it's

coming from our neighbor's yard and long story short our neighbor is as broke as can possibly be and essentially her both of her parents passed away in the last year and she doesn't even have the money to get probate through to get the house into her name,

much less fix the septic leak.

And so, originally if it was just a small thing, our church was going to try to help with it, but it's turned into $8,000 to $10,000 because they have

to pump all of the septic uphill to a new drain field and everything.

So it's going to be a whole big thing. And we're just trying to figure out what to do. And after discussing it with other people, I feel like our plan is to just suggest to her, hey, we'll help you pay to get the will through probate and then you need

to sell the house.

She can't sell it.

Can't get a health letter. Would she be able to I mean the house is falling apart everything I mean she'd probably have to sell it for cash to an investor or something there's yeah okay. I'm because they're not a part The buyer can't get a mortgage on this if the subject tanks busted.

So, because they're going to require a health department letter in any city I'm aware of to do that.

She wouldn't be able to get a mortgage even if the septic was fixed.

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