Caller

Well, yes, I have the Baby Step 1.

Oh, okay. Yeah, beyond that. Okay, so you've got Baby Step 1. That's good. I just want to check. The only debt is the $9,000 of collection and the $10,000 of student loans?

Oh, okay. Yeah, beyond that. Okay, so you've got Baby Step 1. That's good. I just want to check. The only debt is the $9,000 of collection and the $10,000 of student loans?

Oh, okay. Yeah, beyond that. Okay, so you've got Baby Step 1. That's good. I just want to check. The only debt is the $9,000 of collection and the $10,000 of student loans?

That's correct. And I actually paid yesterday $445 of the $9,000 in collections through a money order and I did the tracking. Also, I listened to that advice from your show, but I don't know if I did that right. I sent a money order out to them.

That's correct. And I actually paid yesterday $445 of the $9,000 in collections through a money order and I did the tracking. Also, I listened to that advice from your show, but I don't know if I did that right. I sent a money order out to them.

That's correct. And I actually paid yesterday $445 of the $9,000 in collections through a money order and I did the tracking. Also, I listened to that advice from your show, but I don't know if I did that right. I sent a money order out to them.

That's great that you did that. I would stop doing that because at this point I would stack up money so that you can make them an offer.

That's great that you did that. I would stop doing that because at this point I would stack up money so that you can make them an offer.

That's great that you did that. I would stop doing that because at this point I would stack up money so that you can make them an offer.

So they'll see, hey, you're not getting this money because I'm broke. And the next time I talk to you, it's going to be when I have five thousand dollars. And I'm going to say this is the only you've been blowing me up and blowing me up and blowing me up. This is the only money I have. And you're going to make a deal with me because this debt is. You know, eight years old. And this is all I have.

So they'll see, hey, you're not getting this money because I'm broke. And the next time I talk to you, it's going to be when I have five thousand dollars. And I'm going to say this is the only you've been blowing me up and blowing me up and blowing me up. This is the only money I have. And you're going to make a deal with me because this debt is. You know, eight years old. And this is all I have.

So they'll see, hey, you're not getting this money because I'm broke. And the next time I talk to you, it's going to be when I have five thousand dollars. And I'm going to say this is the only you've been blowing me up and blowing me up and blowing me up. This is the only money I have. And you're going to make a deal with me because this debt is. You know, eight years old. And this is all I have.

And so we're going to set up a payment and a plan that this $5,000 is going to make this paid in full today. And you're going to send me it in writing. And that's how we're going to do this. Does that make sense?

And so we're going to set up a payment and a plan that this $5,000 is going to make this paid in full today. And you're going to send me it in writing. And that's how we're going to do this. Does that make sense?

And so we're going to set up a payment and a plan that this $5,000 is going to make this paid in full today. And you're going to send me it in writing. And that's how we're going to do this. Does that make sense?

Okay. Yes. So you're saying it's okay to settle, not pay in full? Yes.

Okay. Yes. So you're saying it's okay to settle, not pay in full? Yes.

Okay. Yes. So you're saying it's okay to settle, not pay in full? Yes.

That is what you do with debt in collection. You settle it because they've already sold it off. They've already sold it off for pennies on the dollar. They're never going to get the fullness of what this debt was. And so whatever they get now is just ice cream on top of a not very good brownie.