"I Have Been Dancing Around Bankruptcy For 7 Years"

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 27 December 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.7	I have been struggling and dancing with bankruptcy for essentially seven years.
0:12.5	Everything started. I'm not in it. I started the process post-divorce, but at the advice of the
0:20.5	attorney, he's like, well, wait till this happens,
0:22.8	now wait till this happens.
0:24.4	And essentially, you got in a position where I borrowed money from family and I wasn't
0:28.0	going to run them through the ringer to go through a chapter 13 bankruptcy.
0:33.3	Try to make this as quick as I can as your call screener requested.
0:38.8	I'm essentially $120,000 in debt, $20,000 out of a little because of a car loan
0:45.5	at a very high interest rate because of my credit score.
0:48.6	There's roughly $4,000 in back taxes from 2021, a $13,000 parent plus loan that I owe money on,
0:58.7	and the rest is unsecured debt that I've accumulated either from back in the divorce
1:04.6	over the years of having three kids.
1:07.8	How much of this is family about now?
1:09.7	How much do you or your family?
1:12.4	I don't owe my family anymore.
1:14.0	I thought you said.
1:15.1	So what's the unsecured debt for $90,000 bucks?
1:18.3	What is it?
1:18.6	Credit cards?
1:20.5	Mostly credit cards and some loans.
1:26.3	Yeah.
	...

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