The Live from the headquarters of Ramsey Solutions, it's the Ramsey Show where we help people build wealth, do work that they love and create amazing relationships.

I'm George Campbell joined by the one the only Dr. John Deloney and we're here to serve

you America to help you take the right next step for your life and your money and the way you interact with the show is you call us at the number

Triple 8 825 5 225.

If you should be so lucky, our phone screen or Christian will let you through the lines and you will have the privilege, the honor of talking to Dr. John Deloney.

May not so much an honor or your favor. There you go.

Hannah's kicking us off in Atlanta, Georgia.

Hannah, welcome to the Ramsey show.

Hey, thank you so much for taking my call.

Absolutely.

What's going on?

So I was in a toxic relationship and ended up getting divorce.

Me and my ex-husband had a few car loans and we had an apartment together.

Once the divorce, or during going through the divorce, I ended up losing my job and with that I ended up losing my apartment that I had and I also ended up losing one of my cars.

So I have one collections that equals about 3,000.

I have a car repo that's about 12,000. We did have a car loan that was a joint

together and I just realized or found out recently that the car loan that we had together has also been repose.

Oh. So I have about $55,000 in debt.

52,000 of it is in repo, three in collections.

And I don't know what to do if I should file bankruptcy

or what steps I need to do.

So sorry, this is like a terrible country song,

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