I Co-Signed A Car and It Was Repossessed

The Ramsey Show Highlights

Ramsey Network

Investing, Education, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 24 February 2026

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:04.3	Start budgeting for free today.
0:06.6	I put myself into a lot of debt, and I was trying to be proactive in the situation,
0:11.1	and I joined one of these, like, debt relief programs where, you know,
0:14.7	you pay monthly, and then there's a settlement fee or whatever.
0:18.9	And being in that process, I actually helped my ex-boyfriend get a car,
0:26.0	and he got that car, we've bowed.
0:27.5	So now I'm accumulating more debt outside of what I already have in my creditors'
0:33.2	debt relief program.
0:34.8	My question is, is it best for me to maybe just file for bankruptcy? Because I'm
0:41.3	still getting calls from the other creditors who are in my debt relief program. I just, you know,
0:47.3	trying to negotiate or sending me notifications about whatever, you know, the balances that are owed.
0:52.8	And now I'm accumulating even more debt outside with the repo.
0:57.3	And it's uncontrollable for me right now.
1:00.1	I'm paying like to it maybe some like $366 towards the debt relief program to three creditors.
1:06.2	And I'm only paying one of the creditors at this point.
1:08.6	And I was thinking like it's going to take me years to try to get all of them settled. And I don't want to keep on to investing in
1:15.5	something that's just going to like, I don't know, that's not helpful at me. So I wasn't sure
1:20.6	what to do. Well, yeah, that's very stressful. If you're making many deep breaths right now,
1:26.4	I understand that and you should keep doing that.
1:29.7	So let me just make sure I understand the repoed car. Your name was on the repoed car?
1:34.3	Yes, it is. And was it rolled into the debt relief or it's just separate and they're just coming after you for the difference?
	...

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