45K a year right out of prison with a record is not bad at all. I respect him for wanting to do better.

I love how Dave treated him. God bless this caller. I wish him the very best.

@laid07

4 жыл бұрын

By God, do you mean Allah Snackbar?

@haileeroxana

2 жыл бұрын

Exactly! He wasn’t rude to him like other callers. Dave was kind to him

I appreciate how Dave actually cares and does not judge people for past transgressions; well done Dave a true man of God.

@chartuck

5 жыл бұрын

What if he was a true man of Science? Would that change anything?

@perotal

5 жыл бұрын

@@chartuck exactly. I fail to see what God had to do with it...

@chartuck

5 жыл бұрын

@@perotal Really annoys me how people say "he was a man of god" or "he was a good person because he was a believer" or "a godly man".....like that changes anything in the grand scheme of things.

@jamaalweaver4758

5 жыл бұрын

It startles me how many non-believers are offended at the name of Jesus...Well done Dave!

@stickerlady1774

5 жыл бұрын

Jamaal Weaver They are lost n blind.

Caller: My roommate told me my wages are being garnished. Dave: Sell the car.

@luminous6969

5 жыл бұрын

Sell so much stuff that your kids think they're next.

@fpl_bailey

5 жыл бұрын

@@luminous6969 put the dog on Ebay and the cat on Craigslist

@miasistergang6495

5 жыл бұрын

🤣🤣🤣🤣

@trebmaster

5 жыл бұрын

Rice and beans. Beans and rice.

@stassiiiiiiaa3799

5 жыл бұрын

Start delivering pizza tonight

I'm so proud of him for getting himself together. It is not an easy thing to do.

I read the title and immediately a paycheque with a cute little sprig of parsley on top sprang to mind.

@trebmaster

5 жыл бұрын

That sounds more like a Gordon Ramsay solution than a Dave Ramsey solution.

@AzureSymbiote

5 жыл бұрын

It's interesting to see that you watch Dave Ramsey. Thank you for your work.

@EnglishwithLucy

5 жыл бұрын

@@AzureSymbiote I love a bit of Dave Ramsey! I don't agree with absolutely everything he says but I love his general message!

@JonnyBeoulve

5 жыл бұрын

A little garnish never hurt anybody.

@bmaiceman

3 жыл бұрын

🤦🤣🤣😂🤣🤣😂🤔🤣😂😂🤣🤣😂🤣🤣

Happy for this guy, at 40 he's got plenty of time left for a pretty good life.

@laid07

4 жыл бұрын

Unless he dies in a fiery wreck tomorrow!

@jeep19

3 жыл бұрын

This dude is a phfruqk'up and he's probably went back on the drugs...

For someone in his first year out of prison, this guy is doing absolutely fantastic.

I love how Dave often times uses the word "we" when talking about a plan of action. It really makes it seem like he's a part of what the caller is going through and especially with this caller in particular. He treated him with a lot of compassion. Even if you don't agree with his ideologies, you have to respect how he handles these sensitive situations.

@windowslogo3577

5 жыл бұрын

it kind of is if you follow Dave's leadership.

@liveyourbestlife143

4 жыл бұрын

That's why I watch this. Encourages me on my journey

Good job turning your life around. Keep it up!!!

He doesn't want a book, he wants you to tell him how to get out of it. Haha.

They are collecting 100% higher than the judge's indicated amount. WOW

@ShaneHummus

5 жыл бұрын

@Mr. Wick Yep, I agree. I am just shocked by what he just said from the court order he received.

@dukehober9591

5 жыл бұрын

Shane Hummus - The Success GPS there’s probably post-judgment interest that was awarded. the debt was from 2002

@oldtwinsna8347

5 жыл бұрын

It's an older debt so likely it is interest tacked on and legal fees to bring to court. Easily matches up.

@widgeonslayer

5 жыл бұрын

Legalized theft is all it is. And I have no doubt they would try to double the amount or more. Watched a family member pay over $300 for a $15 debt they forgot about.

@gandux

4 жыл бұрын

@@dukehober9591 moon was alsoLLi7P

Praying for this man, proud of him for getting his life straight. Also was touched by the way Dave responded to him with such kindness☺

He can also file a motion for installed payments if he pays on it consistently also. This happened to me and this is what I did.

Good for him. Turning his life around slowly and hopefully he will stay on this path. All this debt stuff and a garnishment is emotionally daunting. When my home went into foreclosure I just wanted to crawl into a hole. Keep the faith brother!

Well done turning your life around Ash, best wishes to you.

Congrats on the turnaround Ash, great hearing people turning their lives around for the better.

Love how that call was handled by Dave!!

Great job Ash on changing your life. It takes courage.

Love and Respect to goes out to Ash. We are proud of you. Keep your head high. We are all bigger than all of this...

Praying for the truck driver to do well

Dave Ramsey is the teacher for the people, a true prosperity preacher that doesn't want our $ but teaches us how 2 put an abundance in our own pockets

@misspandesal

3 жыл бұрын

Well said. He's real.

@nunyabidnes6010

2 жыл бұрын

@@misspandesal lol yeah, he doesn't make any money from his shows, books, or classes. 😂

The ending of this video with the music is so powerful. 8:39 Dave’s smile is so comforting.

im happy for this guy! i wish him the best.

I’m so glad you turned your life around! Hang in there!

We had an experience with a garnishment, they don’t take settlements. Once it’s granted, the only way to stop it is pay the whole thing off. Thank goodness it was only around 5k I helped a family member pay off in a lump sum to stop the garnishment but unfortunately he’s locked in until he can pay in full. I hope he’s doing better now tho

Good for this guy. Seriously tough to start paying off debts. Seriously tough to get sober AND manage life after prison. Seriously tough to be garnished. Dave did a great job of making sure this guy know he's a tough, courageous guy. Hope the best for him. Character is not never making mistakes, it's what you do and how you handle yourself after they occur.

Good thing he goes through your mail.

@TripleBlsdNHlyFvrd

5 жыл бұрын

He gave the roommate permission because of what was written on the outside. Sucks that they're allowed to write "Wage Garnishment" on the outside of the envelope.....no privacy at all.

@jeanlenor1858

5 жыл бұрын

@@TripleBlsdNHlyFvrd Lolll

@blackworldtraveler3711

5 жыл бұрын

James Luna Jr. It should be normal to look through mail to find your own when you have others living with you with the same address. And when people are sharing household expenses and see "Wage Garnishment" letter from a roommate naturally that would raise some concern.

@johnthomas5779

4 жыл бұрын

Sounds like he has his roommate check his mail since he's on the road. Don't be so judgy

I feel motivated after this video. I’m going thru this right now. Almost exactly.

A collection/judgment from a training course back in 2002? My first question to Dave would’ve been about any possible statute of limitations. There may not be one, but I’m surprised he didn’t mention it.

@michellerichardson3090

3 жыл бұрын

My cousin had a court ordered payment. From what she was told there are limitations unless the court agrees to renew it. Once he made one payment he basically showed them that he was willing to. Im guessing the school decided to go back to court and ask the judge to renew it and they agreed

Awesome man! Keep up the good work!

Keep pushing forward Ash 💓

Good for this guy for turning things around. He is doing a great job. I wish him all good things!

Ramsey said to make them a lump sum offer less than the amount they are seeking. Why would they do that when they are garnishing his wages and can get the full amount that they seek? The double amount of what he owed is due to accrued interest on the original amount he owed. The only way to stop the wage garnishment is to quit the job.

Dave - you missed a key option for this caller - since OTR truck drivers are an occupation that is in high demand, the caller can simply quit his job and get another one with a different company. A creditor cannot garnish a paycheck they cannot find.

@appiphynie

3 жыл бұрын

This is a very good idea unless the creditor knows his bank info

Good luck to this man. Hopefully he will continue on the right path and has a bright future.

Dave: I love your honesty that you temper so beautifully with compassion and true sensitivity. B LYON

The only ways you can get out of a wage garnishment are to either file bankruptcy, pay off the entire judgment, or file a motion for slow pay with the courts, where you make a predetermined minimum payment to the courts each pay period, until the judgment is satisfied. Or, you can quit your job, which is astonishingly stupid.

Love the Ramsey Yeti!!!

Dave is changing my life. Thanks buddy

Keep it up 👍 You can do it

good man dave love your videos.

I called the company that was garnishing me and threatened to quit my job and go back to bartending cause they can't garnish tips if they didn't allow me to make smaller payments than what they were taking out of my check and that worked. They went from taking half of my paycheck to getting $150 a month.

@H3DG3xC043

3 жыл бұрын

What happen what were they tryna garnish your wages for?

good for you! Way to go keep up the good work and you're not too badly in debt and things are just gonna get better from here.

There a post judgement interest there act like a bank and get a min garnishment and do over a period of time cause the 11k which is rack up interests to double. I went to a trucking school like that. Never drive much but pay off debt.

Made bad decisions. This causes a f’d up life. Gonna b tough because of bad decisions but u can make it. Persevere!

Wow what a life story.

Proud of him for changing his life!

Mr. Ramsey I listen to your show every day just went on KZread looking for some information didn’t know it was you until I recognized your voice

"You could beat those other guys off pretty quick"

@charlies.5777

5 жыл бұрын

A sentence a guy who's done jail time doesn't want to hear!! 😁

Maximum amount garnished in Illinois is only 15 percent max. you can contest the garnishment in court,financial hardship.

@michellerichardson3090

3 жыл бұрын

They may just lower the amount. My cousin owes over 200k in a federal student loan. Her payments were 1k a month. She filed hardship and they lowered it to $500 a month after seeing her income and bills

Thanks 😊

They get more out of the garnishment than they’d get out of payments and I doubt they’ll settle for $5,000....Maybe more like $8,000 or $10,000.

How is this guy supposed to save enough money to pay them off if they already take his wages?

A sheriff was outside my house today and gave me the paper saying I was getting garnished but didn't give a court date about it. I called the company I owe money to and they told me I have a court date

That’s ridiculous actual judgment amount 11k and they’re trying to collect 22k. And all that coming from an original cost of 5k. This is why so many Americans are in debt

@waynekerr2472

5 жыл бұрын

I think it's because they borrowed money and didn't pay it back no one to blame but themself

Dave you almost brought tears to my eyes

Start working with creditors and start paying some of them.

AT 7:03 ... geeze Ramsey ... phasing

Hi Dave roughly 1 yr ago I acquired a medical debt of 9000.00 I started to make payments. Before I could even make 3 payments it was sent to collection. I negotiated payments again and started paying the collection company. Within another 2 months they sent back my money order and closed the account, and sent it to the attorney representing the hospital. I talked to the attorney and he would not accept a monthly payment of about 25 dollars a month which is all I'm able to give, I have a high car payment that I'm commuted to paying I drive 80 miles round trip to work, so I need a reliable vehicle. They also told me that I had to pay this off within 5 yrs. Which I don't believe, although I do not want to, I have hired a lawyer and will do bankruptcy. if my wages are garnished I will lose everything my place to live ,my job EVERYTHING. I'm not able to save anything I live paycheck to paycheck. I make 11.50 an hr. Any advice would be appreciated thanks.

@markstrutt1569

4 жыл бұрын

Google the show number and give them a call, I highly doubt they respond on KZread

I’m a truck driver going through the exact same thing smh

@TruckinGal-by1so

2 жыл бұрын

My husband is too!

Chapter 13 stops wage garnishment too.

@OpenCourse556

5 жыл бұрын

If this is considered a student loan it won't, but who knows with this little info.

@devontehibbler40

4 жыл бұрын

Chapter 7 does to and you get a fresh start

Ramsey definitely quarterbacked this one at the end. Guy sees it from our problems to the long game and does it himself.

Honestly I would of appealed that cause cause it sounds like they got a judgment against him without him knowing he getting sued. It's happened to me I got a judgement against me for an old debt that was out of statue of limitations but an illegal judgment because i wasn't served and I counter sued them for defaming me ect in the end I won my case and got my money back plus extra 1000 because they violated statue of limitations laws.

@bkucenski

4 жыл бұрын

Not showing up is the easiest way to lose in court. You only won your case because of the statute of limitations. Not because they served you incorrectly or whatever or because of defamation. If someone is suing you, you need to show up. And if it's a large amount of money, you need to consult a lawyer.

@thegods2622

4 жыл бұрын

@@bkucenski I won my case because of that and not being properly served. I subpoena the process server and he failed to provide proof that I was properly served. Here in az they need you to sign the lawsuit or they need to tape it to your door and take a photo of the tape document on the door and the house. In other words the process server was getting paid under hand by the debt collector and hope I'm ignorant of the law.

@thegods2622

4 жыл бұрын

And I only got the extra 1000 because it is a violation to collect after statue of limitations. Any violation it's a 1000 per violation made 20k one year because I was getting harassed by a debt collector for someone else that used my phone number.

@bkucenski

4 жыл бұрын

@@thegods2622 Good to know. Glad that worked out for you because that is complete garbage what they pulled.

@thegods2622

3 жыл бұрын

@Sponge Bob I'm not even obligated to pay it since it was off my credit report and it was past statue of limitations.

You cannot pause a garnishment procedure until you give them go away money. Once the garnishment starts it’s there until your done paying it, quit your job and they would have to file again or you declare bankruptcy. Once they garnish your wages they will not settle for a lesser amount. They have all the leverage in the world. Why settle for 5k when they can get it all?

Dave is awesome

I’m $11,000 in debt from a car loan and have a complaint against me with the original debtors... my question is how do I negotiate out of court? I have 1week left to respond. I want to lower the debt but also make it look better on my credit.

@garyhost1830

5 жыл бұрын

Look back through daves videos. Hes advised on situations like this. Don't give them access to your bank accounts.

I have read that if you are having child support payments being taken out of your paycheck or some other IRS debt that any other garnishment cannot take place. Is this correct

A friend of mine , said his local school district in Pa, has started garnishing his pay check , because it says "delinquent earned income taxes" ?? The wage garnishment has started , There was no court judgment ? No tax lien ? its confusing . Does anyone have any insight on this ? What does a local school district have to do with the IRS and income taxes ?

I hope the caller dude makes it. At the very least, he is trying. Keep at it buddy.

Not sure that Dave advice here makes much sense. He's correct that they aren't going to allow him to just start making payments again; the garnishment order is basically enforced payments. They don't need him to make payments when they can just take them. But offering them a lump sum to go away doesn't make much sense. It's just going to be, "Well sure, we'll take that less-than-a-quarter-of-what-you-owe. And then we'll just collect the other $17k through the garnished wages." It makes no sense to say, "They've probably given up on seeing the money." when they've just gone to court and got a judge to issue a garnishment order. Now, if he'd managed to put together the $5k settlement offer _before_ the court date, okay. Definitely worth a try. I would have thought the more pragmatic way would be for him to just accept whatever amount was being garnished as if it were a minimum payment of a debt and treat it like any other item in the debt snowball. So get a budget together where he's making minimum payments on all his other debts and start working the baby steps.

Statute of limitations doesn't apply here? Since the debt was from 02.

Glad he got tired of that life and hope he continues his beautiful journey

There going to garnish a little over 4000 from my check ever week, don't know how much, but it is what it is. That man is handling it better than me. It sucks, really does. Money I don't have to spare.

Im in the same position but my total amount is 1400, I tried to call and settle but they told me they can’t do anything ? Any advice ?? I am willing to pay them at least 600 to settle

Background checks have been going on for few years for CDL holders. I am not sure that one can have felonies for drugs and have a CDL license issued or maintained. Of course the obvious thing that glares back at me is how $5000 owed for training turned into $22,000.

wonder if unpaid medical bills can garnish wages ?

@binkle1757

5 жыл бұрын

Probably, I think it depends what state you live in. In any case, they can hire collection agencies to write scary letters, to make you think they will. If you owe $$ to a hospital, call them and see of you can do a payment plan.

Garnishment does not happen without a lawsuit, judgment and order from court....all of which requires notice.

I thought it was only Sallie Mae who went that hard.

Live in Texas

Is there a secret to getting them to take a settlement? I’ve got accounts that are 4-5 years old and they refuse to take a settlement of less than 70%

And if other debt changes payment

Holyshit 45k OTR Dude quit!

@reykennedy5716

5 жыл бұрын

He's got a record and is inexperienced. He could probably make better. But it's not a guarantee. He can't get hazmat.

@brianderosa8887

5 жыл бұрын

Surprised he could even get a CDL, in most states any kind of drug conviction will bar you from most driving jobs.

@JK20239

5 жыл бұрын

@@brianderosa8887 I think Illinois has ban the box

Garnished wages aka forced payment plan. No way around it you will be working for them till its paid off. Work a little more to offset the garnish.

$28k, that's a lot of drugs, I mean, "time of personal crisis" 😉

@LogicSword3675

3 жыл бұрын

Nobody chooses to be an addict, my friend. Just be grateful you avoided that trap. Grace of God.

This caller should be very proud of what he’s accomplished. Pulling himself out of addiction, getting CDL, living with a roommate within his means, and earning a respectable income of 45k a year is a major achievement.

Filing bankruptcy is no big deal... I doubt his credit score is over 650

This poor guy. 3 minutes in and I felt for him. I hope he lands on his feet.

@2drealms196

3 жыл бұрын

Says the guy who cripples people which prevents them from landing on their feet...

I'm being garnished from a credit card that was 1200 in 1998 it is now 39k ...at 14 years and 3 months they reinstated the debt by taking a penny from a bank account that was not mine...this debt is not on my credit report and no attorney wants to help only file bankruptcy..i offered 10k and they rejected the offer..in the meantime this is still accruing interest which is 28%

@calvinm1866

Жыл бұрын

What did you end up doing?

Man that’s tough. I wouldn’t let them get a single dollar.

By the way a month has 730 hours a bit too large on the imagery there

@JustinHonaker

4 жыл бұрын

Thanks Literal Math Dude! Whatever would we do without you?

2:04 he said this is from 2002 so 17 years ago. many states judgments are good for 10-20 years and renewable. It very well could be $22,000 if it was from 2002 originally $11,000 with statutory interest. Please Dave look at all possibilities. Additionally being in prison may toll the statute of limitations as well.

@firstlast5630

5 жыл бұрын

The fact that the company is pursuing that debt after that long is so stupid.

How difficult is for people to understand that you should pay the money that you owe. You have used it you have to pay simple. Yes you can negotiate with the collector and hamper your credit rating or pay in full and be mentally satisfied. If you would have taken money from Dave Ramsey he would have made your life miserable and taken the money. It's easy to sit there and speak till you don't feel the pinch.

@ayelove1838

2 жыл бұрын

I’d rather pay the original creditor.

"How Do I Stop My Wages From Being Garnished" - pay your debt .

Can't force that

Statute of limitations should apply here? Its really wierd

Why is he only making $800/week as a truck driver?

@chronictwister

5 жыл бұрын

Because trucking doesn't pay well unless you're with a good company

@noncustody

5 жыл бұрын

Because he gets paid based on the number of miles he drives per week.

@jeanlenor1858

5 жыл бұрын

@@noncustody I gross $1,000/week doing Ubereats when I drive 70hrs. I really don't see how he'd only make $800, unless he s only driving 20hrs a week or less.

@ThatGuy-yk9qp

5 жыл бұрын

@@jeanlenor1858 big difference. He is not driving his truck , he is not responsible for truck cost and maintenance

@tobbertire

5 жыл бұрын

@@jeanlenor1858 once gas, insurance, and repairs are paid for your number might be closer to 800

Ok drugs and alcohol and bad choices in your past now get a lawyer and file bankruptcy and clean this up and with a little research and good choices you’ll bounce back in just a few short years.I know...I’ve been there and done it.

Yes I have done stupid stuff.

@BillyN31

3 жыл бұрын

Like?

I think the garnishment would go directly to the employer and you would never know about it until your employer tells you.....somehow they found out where he worked

@ayelove1838

2 жыл бұрын

How can they just find out where you work?