[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Benzinga [@Benzinga](/creator/twitter/Benzinga) on x 305.9K followers Created: 2025-07-15 20:59:52 UTC After a month of budgeting and listening to The Ramsey Show, a caller named Mary faced down a debt collector with confidence—and a little fear. When pressured over a $XXXXX credit card balance, she told them: "My financial advisor told me I might file bankruptcy, so if I do, you'll get the call. Remove me from your list." Then she hung up. The Ramsey hosts loved it. "Good for you!" said co-host Jade Warshaw. "You're basically saying, ‘If you're going to sue me, sue me.'" Mary, still nervous, asked if she did the right thing. Jade explained that collections rarely lead to lawsuits and the smarter move is to stop paying small amounts and save to negotiate a lump-sum settlement. Mary had already sent $XXX via money order but was advised to stop for now and start stacking cash instead. The emotional shift was clear. “Something broke in the spirit,” Mary said. Jade and co-host Ken Coleman were moved—and impressed. “I got goosebumps,” Ken said. “We heard Mary roar.” Despite owing $XXXXXX total, Mary now runs her own meal prep business and has a monthly surplus. The Ramsey team gifted her budgeting tools and books to keep her going. The message: She may still be in debt, but she’s no longer in defeat.  XXXXX engagements  **Related Topics** [financial planner](/topic/financial-planner) [told](/topic/told) [credit cards](/topic/credit-cards) [debt](/topic/debt) [budgeting](/topic/budgeting) [Post Link](https://x.com/Benzinga/status/1945226832166400215)
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Benzinga @Benzinga on x 305.9K followers
Created: 2025-07-15 20:59:52 UTC
After a month of budgeting and listening to The Ramsey Show, a caller named Mary faced down a debt collector with confidence—and a little fear.
When pressured over a $XXXXX credit card balance, she told them: "My financial advisor told me I might file bankruptcy, so if I do, you'll get the call. Remove me from your list." Then she hung up.
The Ramsey hosts loved it. "Good for you!" said co-host Jade Warshaw. "You're basically saying, ‘If you're going to sue me, sue me.'"
Mary, still nervous, asked if she did the right thing. Jade explained that collections rarely lead to lawsuits and the smarter move is to stop paying small amounts and save to negotiate a lump-sum settlement.
Mary had already sent $XXX via money order but was advised to stop for now and start stacking cash instead.
The emotional shift was clear. “Something broke in the spirit,” Mary said. Jade and co-host Ken Coleman were moved—and impressed. “I got goosebumps,” Ken said. “We heard Mary roar.”
Despite owing $XXXXXX total, Mary now runs her own meal prep business and has a monthly surplus. The Ramsey team gifted her budgeting tools and books to keep her going.
The message: She may still be in debt, but she’s no longer in defeat.
XXXXX engagements
Related Topics financial planner told credit cards debt budgeting