Dave Says: They’ll Play on Your Emotions

Dave RamseyBy Dave Ramsey2 Minutes

Dear Dave,

I’m on Baby Step 2. I’ve paid off almost all my debt, and I’m living on a monthly budget. Recently, I got a call from a debt collection company about an old medical bill. They threatened to garnish my wages, and from the way they talked I’m afraid they may actually do it. How should I handle this situation?

— Gwen

Dear Gwen,

First of all, they won’t garnish your wages. They can’t. For that to happen, they would have to go through all the formal, legal steps of suing you, and then they’d have to win the case. Debt collectors like to play with people’s emotions because, many times, folks will give in and do whatever they want—whether they can afford it or not.

The worst thing you can do in these situations is react with panic or fear. Talk to them calmly and rationally, and explain your financial situation. You may be able to reach a compromise that works for both of you. If they get nasty, or continue to lie to you, let them know you’ll file a complaint with the FTC (Federal Trade Commission). Pushy debt collectors have a habit of getting polite and reasonable in a hurry when faced with the possibility of the federal government stepping in.

Do everything you reasonably can to pay your debts, Gwen. You owe the money, and that means you have a legal and moral obligation to pay them. But you don’t have to put up with a collector’s lies and harassment!

— Dave


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Dave Ramsey

Dave Ramsey founded Ramsey Solutions in 1992 to provide “biblically based, common-sense” financial education. He is a best-selling author and sought-after speaker. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Learn more at daveramsey.com

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