Just answer the question!!!!

@JM-rl3kf

3 жыл бұрын

No wonder hegot mad at the end 😁

@tmusa2002

2 жыл бұрын

Yikes!!!

@chrisbates2771

2 жыл бұрын

He literally did.

This guy can't answer a single question without some BS.

@firebrandsgirl

6 жыл бұрын

hahahaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahahah

@davidboozer2410

6 жыл бұрын

WHAT DO YOU MAKE A YEAR?

@donaldcook2643

6 жыл бұрын

I’m with you on his bullshit.I can’t stand people like him

@firebrandsgirl

6 жыл бұрын

We should have know as soon as he called Dave Ramsey, "DR" haha

@antionygrilmady9044

6 жыл бұрын

Drummergeorge and he’s stupid too

2 minutes in and I understand why he is $10,000 in debt.

@Saturdayz_In_The_Fall

4 жыл бұрын

Jason Jasonson 😂😂😂 His response sounded sooo rehearsed I bet he owes more than what he mentioned to Dave.

@leahv5892

4 жыл бұрын

Agreed. He feels like a snake oil salesmen. He never gives a full answer.

When I watch videos like this where the caller basically gives their life history, I expect Dave to hit his head on the desk! LOL

@mhn9baller9

5 жыл бұрын

So funny

The problem with this guy, is that he has a story for every tiny part of his life... "So Ron, when was the last time you took a cr*p? Well Dave its complicated..." Simplify your life man and get to the point!!!!!!!!!

@marknc9616

6 жыл бұрын

Don't laugh. He's still paying for the TP from his 1997 debt. :)

@LittleHatori

5 жыл бұрын

😂😂😂😂 good story bro

@RockstarFlipper

5 жыл бұрын

exactly his problem

@ProducerDudes

4 жыл бұрын

Dude hahaha

@Msdwan23

3 жыл бұрын

😂😂😂😂😂

WHAT DO YOU MAKE A YEAR

@Keyboardmom

7 жыл бұрын

wakememckinney That was the best part! 😂

@sublime90

7 жыл бұрын

that was hilarious lol

@ross330

5 жыл бұрын

Well I officiate....

@luminous6969

5 жыл бұрын

Well it all started when I was born.............

@moreofawave

5 жыл бұрын

Well, the guy is a yacker and he doesn't have all day.

That is absolutely crazy man...I dodged a bullet from a debt collector who bought "alleged" debt and ACTUALLY sued me (breach of contract) for a little over 10k due to an repossessed auto loan. Luckily I have a smart mother and we did our research as far as handling them. The #1 and most important thing I did was avoided a DEFAULT JUDGEMENT....I didn't ignore the lawsuit like so many people do. Then we researched repossession laws and the contract for loop holes. We actually found technicalities with how they repossessed the car with the original creditor to where we could counter sue! We also noticed it was written off by the original creditor..showing this "alleged" debt was bought from a debt collector. When actually speaking to a lawyer vs a collection call representative and pointing out the technicalities, they instantly decided not to pursue the case. When I showed up for the court scheduling, the lawyer wasn't even there and the judge dropped the case. Lesson learned about contracts and debt collectors..I will never put myself in a situation like that again!

@lifeonthewestcoast

Жыл бұрын

how long after no payment did they sue?

Just answer the damn questions!! This dude is driving me nuts

"You're like fingernail clippings" 😂😂😂 my favorite call from Dave in a long time!!!!!!!!!!

"WHAT DO YOU MAKE A YEAR?!". I love Dave.

@PLANYC

5 жыл бұрын

Five Cents Matter 😂

@franktrevino2313

3 жыл бұрын

Dave got fed up with his beat around the bush answers. 😂🤦🏻‍♂️

@sirreginaldlee3576

3 жыл бұрын

People hate admitting to being broke especially not when talking to a millionaire 😆

@terrencejenkins7995

3 жыл бұрын

I started dying when he said that 😂😂😂😂😂

@alexteplecity

2 жыл бұрын

😁😁😁😁😁😁😁

I love the way Dave feels about debt buyers. They truly are bottom feeders and scumby people

I'm glad I wasn't the only one getting annoyed by his runaround bs answers! I mean come on he couldn't give a single direct answer.

@thebigmann81

5 жыл бұрын

Why call Dave if you didn't want to answer the questions?

@michaelwillman5342

4 жыл бұрын

I got annoyed less than half way through and stopped watching.

@infidel815

3 жыл бұрын

@@michaelwillman5342 probably a lefty

I absolutely died when Ron says, “DR, how the heck are you?”

@MsPants1632

5 жыл бұрын

Michael Niehaus omg I missed that. Had to go back and listen. Now I’m dead 😵

@jimfaust6342

3 жыл бұрын

😃😃😃😃🤣🤣🤣🤣🤣

I had a $76 medical debt!!!!! The interest the tried telling me I owe them $1,200. I paid the $76 and then started complaining to the three Credit companies and telling it's a scam.... you can't add interest to a medical bill. I never signed a contract. Got it off my credit score and never heard from him again!!!!!!!

@livinglifejaybyjay3063

5 жыл бұрын

Jay Pence how did u get it off ur credit score???

@alphamasterjames1667

5 жыл бұрын

Jay Pence yes please go into detail

@kellymccain3403

4 жыл бұрын

@@livinglifejaybyjay3063 ......whenever you have something that you know is 100% bogus as this guy had you can contact Experian or one of the other credit bureaus and dispute the debt.......the credit bureau then has to contact the creditor and ask them to verify your debt by producing contracts signed by you for that debt.......if the creditor can not produce the required documents.....you win the dispute......so at some point the credit bureau will remove that particular item from your credit report.

@livinglifejaybyjay3063

4 жыл бұрын

elijah sessom wow i should try this.. have u dont this urself??

I just started watching Dave one day as a random recommendation and I have to say I'm so glad I clicked on it. It's really rereshing someone with common sense teaching people the right way to manage money without trying to get some of it. I feel like Dave really cares and wants to help people

If he can ever get through to a manager to talk to them they will likely pay him to shut up.He will wear you out just listening to him.He calls in to get advice and then won't stop talking to listen to the man.

@JoyofRVing

5 жыл бұрын

Becky Shell 😂😂😂

"These guys are crooked as a dog's back leg!" - LOL!

That is some patience there Dave you looked so frustrated at some point. The calls from collectors are annoying. It took months before I got my collections off my report but it was worth the time and money spent.

@elizareyes5346

Жыл бұрын

How do you get it off report ?

Dave: “How are you?” Caller: “Well, this all started when my mother met my father…”

5:45 I’m at work in real tears!! 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

@candirockstar135

4 жыл бұрын

Google Account i freaking choked!!!😂😂😂

@GoogleAccount00

4 жыл бұрын

@@candirockstar135 Sis, I'm howling AGAIN....sksjksjsksj!!!!! 💀😭🤣💀🤣😭 I forgot about this. It clearly still makes me laugh like I did when I first heard it!!! 💀🤣

@jimfaust6342

3 жыл бұрын

I woke me neighbors up lol now their laughing too 🤣🤣🤣🤣 this call is priceless

If you even speak to a debt collector it starts the 7 year credit report thing again. Never speak to a debt collector.

@lalaslife6506

Жыл бұрын

No, that’s not true just because you speak to a debt collector does not mean that it starts at all up again, what starts at all up again, is if you start to pay it.. 😉

@lalaslife6506

Жыл бұрын

Or make any payment then yes it starts up again.

It amazes me people are afraid of these creep debt collectors.

@tristan583

5 жыл бұрын

Mystery Buyer l am in the Same stuff rn

@mr.speyside5240

4 жыл бұрын

Some people are gullible. The people on the phone can be vicious and use scary language.

I just started listening to this guy. Ramsey is a savage!

Lol.... “I have $6000 when you want some money, call me. Then hang up.” 🤣🤣🤣🤣

@jimfaust6342

3 жыл бұрын

$6000 🤣🤣🤣🤣🤣🤣 that's cute lol

Before Dave yelled at him I was yelling at my phone. Answer the question!

I don't know if Dave appreciated being called DR. I'd hate to be called WB. I also love the little button he presses at the end of the video... "I'm done with you. I'll talk now"

150 bill collectors on my block call, never pick up I'm not contracted with them

Wow, Dave, "hey caller what is 2+2?" Caller, "well, let me talk about it in paragraph form for about 3 minutes and then tell you 4"

5:42 Omy STARS!! *"What do you make a YEAR???"* I can't breathe...😆😆😆

This advice is right on time!

5:44 LOL I'M DEAD!

@LIZZyNIqUZZ10

5 жыл бұрын

😂

Just answer the #\%&*%# question!!!!!!!

Make all debt collectors validate the debt they say you owe. Keep asking them a lot of questions and make sure you tell them you know your rights. They hate to go through the whole process and some just give up. They are counting on you being a very scared little sheeple.

@jimfaust6342

3 жыл бұрын

I usually waste their time so they don't harass anybody else. I put them on hold for like 20 minutes and then hang up. Lol

Am I the only person who watches Dave Ramsey videos not for financial advice, but to feel better themselves. Seriously. Listening to the people who call in make me feel better about myself.

The statute of limitations is expired on this debt . Pay nothing

Wait. Wait. Wait. This is a TEN year old debt? Statute of limitations expires in 5 to 7 years depending on your state. Tell them to go pound sand!

@nunyabiznis817

6 жыл бұрын

You are right. However, it is unclear if the caller made payments (even just $1) to the debt collectors during the time they started trying to collect. If you have a debt that has reached statute of limitations in your state, and you make even a $1 payment to the collector, that starts the statute of limitations over again for that debt.

@latachia2

4 жыл бұрын

@@nunyabiznis817 also, didn't the caller say there was a judgement against him?

@josuegalanroca5915

3 жыл бұрын

But when a people make payments they reactivate the 7 years

I had a coworker who cosigned a car note for his best friend. His friend defaulted, and the lienholder's collection agency immediately called my coworker. Judging from the conversation it sounded like the agent was badgering him, and demanding answers and money before he could even call his friend to find out what's going on. A lot of these agents are jerks!

Why people go to school with big loan just to make 40k ? Thats stupid

This poor man has got extreme anxiety and stress. He's finally able to probably talk to someone that can help him. That's why he's rambling. Give him a break

@mrfred1000

4 жыл бұрын

No. He's an adult. If he's mentally ill or something ok fine but a normal adult, no. Calm your rear down and listen to the advice. We've all been stressed or had some form of anxiety at some point in life and I doubt we acted like this.

@ronaldknight9974

4 жыл бұрын

Don't care,,,, you called Dave for answers, just answer his bloody questions.

@twinny555

4 жыл бұрын

Mr Fred erm for some people anxiety is a chronic mental illness that takes over every part of your body. Don’t be ignorant.

@colin1818

3 жыл бұрын

Dave let him ramble for a long time. Eventually he has to bring him back to earth. Notice how he had to go to a commercial right after this call? Dave needed to make sure the guy got the response he called for.

I would offer them $3000 at the most! Quit making payments because after 3 years (in NC, check your own state laws) they cannot by law sue you for it. They can still try to collect it but they can't take you to court. BTW either way it still goes on your credit bureau for 7 years.

Hilarious call-in segment!

That insurance from the bank is for them to protect their collateral, it isn't traditional car insurance for the borrower.

@luischavez4130

4 жыл бұрын

Megan Mawhinney iam not the sharpest knife in the kitchen but that's exactly what i thought,for there best interest..thanks for tha info.

This a 10 year old debt!!!!!! It is most likely past the statute of limitations and is barred from collection! WAKE UP!!

I like David. Straight forward and honest

@mariahsmom9457

2 жыл бұрын

LOLOLOLOL

This dude needs some friends to open his heart to in a pub with some drinks. Poor Dave, he just wants the numbers...

He should have never made a payment He kept activating the old debt in 10 years it would have dropped off.

@fakebrake

4 жыл бұрын

Absolutely the truth.

WHAT DO YOU MAKE A YEAR? Hahahaha classic Dave Ramsey. I love this guy

Respect to Dave for being so patient and trying to get useful data out of this caller. He is exhausting just to listen to. First direct response at 6 minutes in, and only after Dave snaps at him. Sheesh.

@Rick-of6gx

2 жыл бұрын

Lol yup i just laughed at that part🤣

The collector can threaten all they want, but when you tell them that you never signed a concent agreeing to pay for their company, they cant do anything about it

@barnabusdoyle4930

10 ай бұрын

Depending on the state you are in, that would never work.

@MORNINGSTAR190

10 ай бұрын

@barnabusdoyle4930 plus u actually can get arrested

When Dave asks “what do you make a yr?” just answer the dang question!! You don’t need to start going into your freaking life story.

fingernail clippings haha

Why be afraid when a creditor threatens to sue? Suing someone costs money and lots of money. Fewer than 1 in 10,000 collections go to court.

@FamousWolfe

5 жыл бұрын

Dude that's an ignorant thing to say. I was taken to court over an $1,800 debt. Fortunately for me the day of court their lawyer failed to show up and I was able to get the judge to dismiss the judgment against me. I'll admit it was funny calling the debt collectors a couple days later and they definitely sounded embarrassed over the phone lol. Still, debt collectors do have teeth (legal rights) and they aren't afraid to come after you if they think they can get away with it.

@carlaharris4879

4 жыл бұрын

Not true this guy is taking us to court here in Henry co

@jimfaust6342

3 жыл бұрын

I won't pay them a dime. They can threaten to sue all they want. I don't owe anything now but if I did I wouldn't pay them anything.

@jimfaust6342

3 жыл бұрын

All they are is fear tactics.

@MORNINGSTAR190

10 ай бұрын

@jimfaust6342 no a court order Don't show up then u will have a warrant out

I was ALWAYS told to NEVER pay a Collection Agency because the original Agency wrote off that debt once they sold it to another Agency. I had a $32,000 hospital bill back in 2004 and they sent it to a collection agency and then after 2 years they sold it to another agency. I haven't heard from them since 2006. And it doesn't show up in any of my debt history or credit history.

@sk8terboi10003

4 жыл бұрын

I never have anything to do with a collection agency. I don't owe them a dime they never have me any services

@Buckeye_4_Life_

4 жыл бұрын

Some collections will show up on your credit report until you pay them and tell them you won't pay it unless they agree to delete it from your credit report. I've gotten two deleted off my credit report that way.

@Buckeye_4_Life_

4 жыл бұрын

@Sponge Bob The collector can also remove it. I've paid and negotiated 2 collection removals from my credit report, at least according to Experian anyhow..

I dealt with a college debt that was over 15k for about 3 years when I was 19-21 years old. I ultimately settled it for 8k.

I’ve been there Dave, and you are spot on....where were you 30 years ago when I needed you....lol

I owe 6k in collections..it’s been stressing me out

Dave is like me, gets sick of asking "What do you make per year" and getting a run around answer. WHAT DO YOU MAKE A YEAR? THE CORRECT ANSWER = I MAKE X AMOUNT PER YEAR.

Send a certified request for debt validation, they won’t send it within the 30 day requirement. Also request a court date, when they don’t show up or validate the debt, the judge will toss it all out!!!

This caller is probably a used car salesman, with all his bs! Dave was frustrated & finally yelled at him. Ha!

"well I officiate some high school.... about 40" haha

@wheredidileavemycell

7 жыл бұрын

for those interested 5:41

@mydirtyfeet

6 жыл бұрын

🤣

Love this man

thanks i’m in a similar problem thanks for the advice.

I'd advise no one to ever speak to a collector. I have cleared over 5 collections on my credit report and currently have a score of 780. How better can it get?

@gregmason369

4 жыл бұрын

I have a credit score of 830, you can do better.

@Gruuvin1

4 жыл бұрын

You borrow money on the promise to pay it back, you don't pay it back, you've done this multiple times, and you brag about your credit score. Impressive.

if this debt is 10 years old, isn't it passed the statute of limitations for collecting and reporting? What benefit would it be to pay this debt?

@nunyabiznis817

6 жыл бұрын

You are right. However, it is unclear if the caller made payments (even just $1) to the debt collectors during the time they started trying to collect. If you have a debt that has reached statute of limitations in your state, and you make even a $1 payment to the collector, that starts the statute of limitations over again for that debt.

@kirbyaugustine761

5 жыл бұрын

If memory serves, old collections fall off your credit report after 7 years BUT if he makes a recent payment, no matter how long it goes unpaid, it reopens the debt and starts the collection debt reporting as a current collection on his credit report negatively affecting his credit score.

@MacMayhem100

5 жыл бұрын

No because every payment he made reactivated the debt.

@jigglywigglyjello1276

5 жыл бұрын

This is time tolling and the statutes regarding it vary at the state level.

@jayallen1334

5 жыл бұрын

Al it may not be past the statute of limitations because of the judgment.

nice and straight to the point answer

I use to be a debt collector. Dave right

I would be calling too, 10years ? Lol

Come on Ron, just answer the questions!

@mhn9baller9

5 жыл бұрын

Sayid Yasin lol

He gave bad advice on this one. Old debt beyond the statue of limitations for collecting. They can’t even sue him anymore. It’s zombie debt and is uncollectible. They can’t even report it on his credit report. DONT PAY ONE DIME! BAD ADVICE.

@karenkramer3760

5 жыл бұрын

You are right! And thanks for info about not being able to put it on credit report. I was wondering about that one

After listening to this caller for 3 minutes, I fell into a full blow seizure and wet myself.

I see this happening in a lot of these videos where he asks a question and they just have to tell their story (or excuse) that goes with it or they interrupt his question altogether. This time you can really see his frustration, but it does make it difficult to listen when they go on and on.

one off the few videos that i was yelling at my computer screen "JUST ANSWER THE QUESTION"!!!!!!!!!!!!

10 freakin years!!! Dave kills me .....

Just. Answer. The. Question. Dave is such a patient guy.

I worked in a building one floor below one of these collectors. They hired mainly 20 something people to call and harass people over their debts. It was sickening listening to them laugh on the elevator about how they made some old lady cry because of $500 on a credit card she couldn't pay years ago. They make me physically sick.

@michaell8957

6 жыл бұрын

Grasshopper wow ! Really?

@JeepersCreepers2013

6 жыл бұрын

Michael L Yes... absolutely true story. It was awful.

@heavymechanic2

6 жыл бұрын

These debt collection people are scumbags and lie about everything, even if the debt was satisfied before it was turned over to collections by a greedy business by deception.

@mikehunt545

6 жыл бұрын

You should have a garage sale

@1979Heyjude

5 жыл бұрын

Never pay a debt collector

When Mr. Ramsey asks a direct question he wants a direct answer with no back story 😂😂

@NehemiahBradyP

3 жыл бұрын

"so here's the thing..." 😂

Caller said they had a judgment. Better not keep that six grand in a bank

If the debt is 10 years old then they can’t force you to pay it.

They can pound sand after 4 or 5 years. No obligation to pay them and they can't sue over it.

@jayallen1334

5 жыл бұрын

wrong

Always go to court when sued by creditors, the worst that can happen is the judge gives the credit holder a 100% judgment. If you don’t show up it is an automatic “default judgment” for the credit company.

@MORNINGSTAR190

10 ай бұрын

And a warrant for ur arrest

@reddeadjuju

9 күн бұрын

Aint nobody getting arrested for civil court lmao wtf u talking about ​@@MORNINGSTAR190

5:45 😂😂

-*- Moral of the story is: Don't ever pay debt collectors! 9 out of 10 times the statute of limitations runs out for them to sue! Your credit rating will suffer for a bit for a couple of years. That's all. Negotiate with the Original debtor if possible! -*-

And the attorney will attach your money in your bank account. Where I live they can do that one time and can clear out your account. It happened to me even though they were getting money regularly from me. They are never satisfied with just payments. I haven’t had a credit card since! And probably won’t even though they send offers constantly.

best advice ever

time to activate the Cease and Desist Letter the collector is now threatening a lawsuit.

Dave was getting mad haha

If your debt keeps jumping from agency to agency you have no right to pay anything. I had a $1400 debt and never paid on it. Since not paying I got a letter telling me to settle for $600. I will not spend any money on this I have the right to not pay to a collection agency because I never did business with them. They are a 3rd party. And they need to prove that I did business with them.

@rockymountainprincess9078

6 жыл бұрын

Alberto Bernal - thanks for sharing.

@HAL-dm1eh

6 жыл бұрын

This is why I'm scratching my head at his logic to tell the guy to give them any more money at all. He doesn't owe them anything, and when he pays off what they want it's NOT going to affect his credit in the positive.

@roxcyn

6 жыл бұрын

Alberto Bernal - It's in the contract they can assign, sell, etc the debt if you default.

@HAL-dm1eh

6 жыл бұрын

When I joined a gym and they sold out to another one, the gym I joined was suddenly replaced by another one and I didn't like it. I couldn't get an explanation so I stopped payment and they sent it to collections. This caused me to read my contract over and over and nowhere on there does it say they could sell my (2 yr, I was ignorant) contract to anyone else at all and nothing about any debt. How do you "sell" a debt or contract, anyway?

@roxcyn

6 жыл бұрын

HAL 9000 - so gym #2 and gym #3 stepped into gym#1's place. You should have somewhere in the old contract where they may assign/transfer the business to another company. If not, the new company gym#2 and gym#3 should have sent you an update contract.

every time you make a payment it starts over the best thing to day is ignore it wait for it to charge off then in 5 to 7 years its off your credit .

This dude is stressing me out. Can’t give a straight answer for any question. 🤦🏽‍♂️

Is it true that if your debt gets bought by someone else, if you ignore everything from them they can’t sue you because you’ve never acknowledged the debt with them?

IF a judgement has been entered then why would the amount balloon? Also doesn't judgements drop off credit reports after ten years?

People need to educate themselves with the law. I’ve never paid a collection in my life and they all went away.

i know this is old but I just don't understand, why some people call in and can't just tell their issue then... be quiet, listen and answer the questions!!

KZread debt defense. Credit Repair. NEVER PAY DEBT COLLECTION! I have beat them 3 times in court

@jayallen1334

5 жыл бұрын

you must be some sort of real scammer then.

@chrismorgan6149

5 жыл бұрын

@@jayallen1334 the scammers are debt collectors. I just know the law

@jayallen1334

5 жыл бұрын

@@chrismorgan6149 I do not believe you do know the law. I've read your other comments and they are inaccurate.

@chrismorgan6149

5 жыл бұрын

@@jayallen1334 believe what you want. I haven't lost a case yet

@chrismorgan6149

4 жыл бұрын

@Cynthia Pope yes. The burden of proof is on the debt collector to prove YOU owe the debt. You can beat them at this if you do your homework. And you might even be able to sue them if they have crossed a FDCPA violation or a FCRA

“Do you have any money?”

Threaten the collector with bankruptcy. Problem solved. Cheers!

I get about 14,000 a year in SS. Not having any more income I have had to use credit cards for medical bills and to put it plain , groceries, rent, car ins. power and internet. I don't have TV as I knew I couldn't afford it. I owe about 20,000$ and this month for the 1st time I have not been able to pay all of them. I have no assets. I don't know whether to consider bankruptcy or just quit paying them. After my husband died things are hard. I live in public housing and have a 2006 Honda. I have always been a big believer in paying your debts but now I can see how people get into these sad situations

@DanielSwartfiguer

4 жыл бұрын

Looks like your first mistake was putting the "$" dollars sign ~after~ the dollar amount instead of before the dollar amount, as it's correctly supposed to be.

Nah, I would use the fair debt collection practices act and fight this in court. I believe its against the law for them to even add interest on a debt. That collector is probably not party to the original contract to the debt. The statue of limitation was probably 6 years on paying that debt. Did you even verify and validate the debt to prove that the debt even exist? Matter of fact you can probably sue this debt collector for violating the FDCPA which is federal law

@Armouredb

6 жыл бұрын

qazzy they can and do attach interest and will sue u and place liens on ur property

WHAT DO YOU MAKE A YEAR 😡 LOL. You should of stayed home today. 😂

I'm a senior citizen and I m being threatened with jail time, attachment of wages for a leased car and credit crd. I had to return the car because I ran in to financial problems and could not pay the rest of the lease but they have the car back, also I didn't use up near the allotted amount of mileage that they allowed me at the time i leased the car. Can they do that?