Dave Ramsey’s caller skipped the car payment and doubled the money. The plan failed, and now she’s in a $19,000 debt without a car

“Ramsey Show“I recently shared a hard lesson I learned about gambling and debt with my host. George Kamel and Jade War Show. Her decision Skip car payment And he backfired her fortunes in a massive way, testing her fortune, resulting in more than $19,000 in foreclosure and remaining debt.

“Instead of paying, I thought I could go to the casino and double it and pay and do something like that,” the caller said. But that didn’t work. The car was retrieved and later sold for about $3,500, and was in charge of having a large remaining balance on the loan.

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In addition to the confusion, she began receiving toll road bills tied to the vehicle even after the vehicle was sold. “I reached out to the toll road and they confirmed that the car was sold,” she explained, noting that she had never received advance notice of the sale.

The woman in there Dave Ramsey‘s Baby Step 1 Saved $1,000said that gambling addiction played a central role in the situation. She is taking steps to deal with it. He admitted that he had never been to an anonymous gambler, cutting off online ads and distractions.

Kamel stressed that fixing financial issues is not important Gambling problems Not resolved: “I just want to make sure I solved the underlying issue here before fixing the report.”

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When asked how much she owe her total debt, she replied, “It’s all I have for now.” Her income is $4,000 a month, and her only major monthly fee is $1,300 rent, including the utility. With minimal transportation costs and no dependents, she believes she will save enough money to provide a lump settlement.

Kamel recommended negotiating a payoff amount, such as $7,000, and obtaining terms in writing. “This is everything I have. Are you willing to settle completely for this amount?” he suggested what she said as he reached out to the lender.

He also said, “Don’t give you access to your checking account. Get everything in writing and instead do it like a cashier’s check or mail order.”