Dave Ramsey

You can put the student loans in there too, but they get paid in full.

The credit cards can be paid all or a portion of in Chapter 13.

In your case, they're going to get most of it anyway.

So are you delinquent on the 108 on credit cards?

I think you could probably settle...

the credit cards for the 50 or something like that.

Okay.

If you, if you, if they went seriously delinquent, they're not seriously delinquent yet.

Um, but, and it'll, it'll be a long, it'll be, you know, a year and a half while your heart is broken over a 30 year marriage ending and you're fresh trying to get a fresh start.

You're going to have a lot of work to do here.

Um,

I've got another idea.

The guardian litigation people that we work with, this is what they do.

They negotiate with them when you're in default.

And they're very, very good at it.

I just had lunch with the CEO the other day and was listening to their whole process.

And I think they can take care of you.

And we'll help them do that because you are in a pinch.

all right and so we're gonna we'll hook you up christian is gonna get in touch with them and hand hold your hand and walk you right into them and i think they can walk you through this because you're not going to qualify for a chapter 7 it's going to put you into a 13 and so some kind of a payment plan or settlement process is going to be better for you outside of bankruptcy it's going to be more efficient and it doesn't require all of your emotions

to deal with the anger and the crap that the collectors are going to throw at you if you do it yourself.