Brought to you by Y-ReFi.

Refinance your defaulted private student loans today at Y-refi.com slash Ramsey.

Okay, make a long story short.

I'm in between Baby Step 1 and Baby Step 2.

You know, things going good.

Stuff breaks.

Spend my $1,000.

Got to rebuild Baby Step one uh i got my girlfriend

she's kind of stuck with me too we want to be married to have a family she has 21 000

in credit card debt she found this company accredited debt relief they offered us a payment of

three hundred forty two dollars a month for 48 months.

That's to pay off the credit cards.

The problem is that's only $16,400.

I don't understand how this could work.

Okay.

Because it's the same as filing bankruptcy.

It's going to destroy her credit.

Here's the way they work. Stay away from them. Stay away from them, but here's why. Okay? The way they work is when you sign up with them,

they take over all of your payments. And the first thing they do is they stop making any payments.

And they let all the credit cards go into default if they're not there already.

And so they go into default and the credit card companies then will settle a bad debt.

Now she will be in collections on every one of them and then they'll settle the bad debt

...