Dave Ramsey

What we're going to do is use all of this situation to your advantage.

to that that's the thing that has been a blocker for you but because as you start melting away these debts first and foremost you get this car off your back off your mother's back your brain is going to clear up the fog that you've been walking in the stress-related anxiety of feeling trapped in 16 and feeling honestly shame about signing up for 16 too that was dumb so

You're not dumb, but that was dumb.

So, you know, what you do is you get an attack mode warrior girl.

You put on your warrior stuff and you get after it.

Complete focus.

I don't want you to pay anybody else.

Just let them all go bad.

I don't really give a crap about your credit.

You already don't have credit.

We know that because you have a 16.8% car payment.

We know your credit's trash already.

So I'm not worried about that at all.

I'm worried about you.

I want you to be free.

So you hang on and we'll get you signed up for every dollar and that'll help you walk through this stuff as well.

If you're at the point where you think bankruptcy is your only option, stop for a minute.

You might have another way out.

Guardian Litigation Group.

Most debt relief programs sell you on the illusion of protection, but a crappy legal plan tacked on as an upsell doesn't actually defend you when you get sued.