This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go out to George in Gainesville, Florida.

What's up, brother, George?

Hey, how you guys doing?

Thank you for taking my call.

You got it, man.

What's up?

Hey, so I just found out that I'm being sued from a debt collector,

and I just have no idea how to approach any of this.

There's already a hearing date for next month on the 11th.

I'm just pretty scared. I'm not going to lie.

I know it's not going to be the end of the world, but I just don't know what to do.

That's...

Well, I'll let George walk you through the letters.

It's probably not a true hearing date, but why, why aren't you paying off your debts?

Well, so that was about, it's a best buy credit card from about two and a half years ago, probably.

Why didn't you pay it off? Say it again um why didn't you pay it off

24 say it again why didn't you pay it off um just straight up i just couldn't afford it um

i i'm 24 now i pretty much had to grow up on my own at the age of 18 so um everything's

been at my own expense almost kind of 18, so everything's been at my own expense, almost kind of paycheck

to paycheck since then.

Okay.

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