cover of episode Don't Buy Crap You Can't Afford!

Don't Buy Crap You Can't Afford!

2024/1/3
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Dave Ramsey
帮助数百万人摆脱债务和实现财务自由的著名个人财务专家。
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Alicia因前任在未经她同意的情况下以她的名义开通信用卡而被起诉，欠款约8100美元。Dave Ramsey建议她尝试以身份盗窃为由抗辩，如果失败，则尝试与信用卡公司协商，以较低的金额结清债务。他强调，不必对诉讼感到恐慌，因为这只是信用卡公司常规操作的一部分。 Dave Ramsey详细解释了催债公司的运作方式，他们通常使用恐吓手段来迫使债务人还款，但实际上很多债务可能无法追讨。他建议Alicia冷静应对，不要被恐吓，并尝试收集证据，证明她并非该笔债务的责任人。如果协商不成，可以考虑寻求法律援助。

Deep Dive

Chapters
A caller seeks advice on handling a credit card lawsuit due to identity theft by an ex-partner. Dave Ramsey advises exploring the option of filing a police report for identity theft and negotiating a settlement.

Shownotes Transcript

Dave Ramsey & Dr. John Delony answer your questions and discuss:

  • "I'm being sued by a credit card company,"

  • "Should we pay off student loans first or buy a house?"

  • "Pull from stocks to pay off our house?"

  • "Should I lie to my entitled mother about money?"

  • "Should I pay my dad's parent plus loan?"

  • "Should I use savings to pay off my truck?"

  • "Go back to school if we still have debt?"

  • "My wife struggles with my career as a firefighter,"

  • Dave's advice around prenups,

  • "Should my parents set up a trust or a will?"

  • "How can I get rid of my car?"

  • "Convincing my daughter to pay cash for college,"

  • "Should I leave my marriage?

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