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I've been listening to the show for a whole month, and this is my first month doing a budget.

Yay!

My emergency fund, yes. And now I am trying to attack my debt, but I have about $9,000 sitting in collections and $10,000 in

active student loan debt.

This morning I got a call from a debit card collector.

It's $6,000 and he was threatening to sue me.

Like I said, I've been listening to the show, but I don't know if what I did was right.

I just listened to an episode of Dave Ramsey telling them that, you know, I'm going to file

bankruptcy, leave me alone.

And that's what I did.

I was like, my financial advisor told me that I might call bankruptcy.

So if I do, you'll get the call.

Remove me off your call list.

And I hung up, but I I was I'm really scared I don't know if that was the right thing to do I love

I love you yes good for you I love it my financial advisor she was like I'm gonna file bankruptcy

and then like hung it up good for you yeah yeah I've never even met a financial advisor

coach you up now you got another financial advisor.

All right, Jay, she got done.

She's a little scared.

And I understand because some punk with a credit card collection agency called her up and played the script.

Talk her through it, coach.

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