I Just Got Sued By My Credit Card Company

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 18 July 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

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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.
0:06.7	I got served a lawsuit last night.
0:09.7	I have credit card debt that's all in collections for contact.
0:14.6	I'm 38 years old, and I'm finally awake to my life.
0:19.5	I've spent my adult years in and out of psychiatric
0:22.6	hospitals trying to you know suicide due to my childhood so now that I've
0:30.3	unpacked that and I feel like I'm in a healthier spot I really just I want to
0:35.0	be debt-free and listening to you guys like I, I feel like this is my first route. Wow. What do you make? What's your income? $40,000. Good for you. Okay. Well, I'm proud of you for getting stable. That's great. That's quite a journey. Thank you. Well done. It's been a journey. Okay. How much do you owe on this particular credit card?
0:55.8	This one is 1,200.
0:57.3	And how long has it been since you paid on it?
1:00.7	22.
1:02.3	Okay.
1:03.1	All right.
1:03.5	And who was the original bank?
1:06.1	Credit 1.
1:07.3	Okay.
1:08.2	There's a high likelihood, like almost for sure, that they have sold that debt.
1:13.8	They have sold it to a credit bureau or a credit agency.
1:18.4	A collection agency.
1:19.6	It's a debt buyer.
1:21.2	Okay.
	...

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