My Husband Went Into a Debt Consolidation Agreement Without Telling Me

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Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 5 July 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by CHM, a biblically based alternative to health insurance.
0:06.3	Learn more at CH Ministries.org slash budget.
0:09.7	Hey, I'm calling in because my husband, he entered into a debt consolidation program.
0:15.2	He has about $30,000 in debt.
0:17.7	We are not in the program together.
0:20.0	And I was wondering if there's any alternative
0:22.2	or way out of this. To give a quick breakdown, I have about, he has 30,000. I'm not included.
0:28.1	I have about 13,000 debt. I'm on a fixed income secondary to a disability. I'm an end-stage
0:34.5	renal failure. We have five kids, no savings, and I don't know where to go from here.
0:41.4	Gosh, I'm so sorry.
0:43.9	Any way you can help. Okay. I'm sorry you're going through what you're going through. It sounds
0:49.9	like unbearably tough. Five kids. Is there a reason that yours wasn't included?
0:57.1	Can you give me just some more insight as to how you guys are thinking through this?
1:01.0	Because that was my first question.
1:02.8	Why just his and not yours?
1:04.4	Not that it was a good choice.
1:05.6	I'm just wondering.
1:07.2	Yeah, first of all, he didn't, I didn't know about his debt.
1:10.2	We don't have our credit. We don't have our credit.
1:11.2	We don't have joint account.
1:13.1	He has his own credit cards.
1:14.3	I have all mine.
	...

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