Brought to you by the Every Dollar app. Start budgeting for free today. Hey, how's it going? Thanks for taking my call.

You're welcome. How can we help? So I make about $80,000 a year. I have about $85,000 in consumer debt spread out between a car payment, a personal loan,

and some credit cards.

Okay.

Can you tell us, can you tell us how it spreads out, just so we know?

Yeah.

So I have $43,000 on a 2021 truck, $24,000 on a personal loan, and then the rest is credit card.

Okay. Thank you.

Back in September, I started working with this company that is supposed to negotiate with these credit card companies

and the personal loan company to help bring the balance balance.

Like these debt settlement relief companies?

Yes, yes, exactly.

And so just recently finding you guys, I'm coming to the horrible realization that this was a bad idea.

And to the point where most of these accounts are defaulted, or not going to work with me personally.

So I don't really know where to go from there in the baby steps.

I have $1 thousand dollars fund saved,

but as far as like tackling the debt, the truck itself is the only thing that's active,

if you will. Is it upside down? No. So we're selling a truck? First off, that's what I'm doing,

because a guy who's making 80,000 probably shouldn't have a car

that's more than half of his annual income. That's kind of just a rule of thumb that we go by around

here. And I mean, yours is just a little above, but considering your debt, if I woke up in your

shoes, the first thing I would do is sell that car. And I love,

...