The creditor already has a garnishment and a lein in place, they have no real incentive to settle when they're going to get the full judgment eventually. The time to settle was years ago.
YUP! It is a sad story.... but from a risk management standpoint the creditor has the advantage. They got the judgment and lien in their pocket; and the garnishment is bringing the money in. The ppl aren't bankrupt....so there's really no risk to them that would compel them to settle.
The only possible incentive (and thus the only potential leverage) is if the garnishment schedule is going to take years to pay the balance off. In that instance, they might be willing to accept the less than full balance in order to speed up the process. But yeah, any other leverage is already lost at this point.
@@bradleymaravalli2851 No question about it. Fortunately the Ramsey plan isn’t the only plan that works but for people that are not financially literate? It’s the best plan.
When I discovered Dave Ramsey it made me get my life together and grow up. I stopped partying, going to concerts , spending money on dumb things. Now I live the simple life. Paying off debt and slowly saving money.
When you get the debt payed, you might find that you have more money to party, go to concerts, buy dumb things. Question is do you really want to do that stuff all the time, nothing wrong with partying or concerting, but that should not be a life goal.
@@jrus690 not a life goal , especially now that I have kids, I may go out here and there but when I do all I think about is how to be safe to get back home to my boys
This reminds me of the one call where the lady said that the husband didn’t wanna pay their medical bills because after seven years they fall off and I distinctly remember Dave saying that may happen or they may just take your check or something to that effect. Anyway Dave told them that they need to continue on their debt-free journey and pay the debt including the medical debt not sure if they listened but if they’re listening to this call I hope they do.
I can’t wait to leave New York. This state makes so much money from taxes, it’s should be illegal. I’m hoping to move to Delaware or Texas, definitely can’t stand NYS anymore.
@Prey R I really want to move to a free income state tax. Currently I paid over 45k in taxes on yearly basis but this is because I’m in a high income tax state, with no kids and not married. Not having anything to claim is really hurting me to the core. 😢
Will they really be saving that much in taxes between New York and North Carolina? And don't forget they'd need to eventually purchase another home which they'd have to start from scratch.
the fact that they owe 120k on the house was smth I wish I heard earlier. its not exactly the most reliable ticket to a new life but it is still a fresh start if they're willing to keep saving
Wow my C-section was 20k! Thankfully the hospital has financial assistance up to a certain cap, all i paid was $200 and the hospital took care of the rest!
They're not going to negotiate with a lien secured on the house. They have no reason to. With equity in the house that exceeds what they owe, they will prefer to wait a bit and collect upon the sale.
That's a good point... I'm on the condo board where I live and we had to place a lien on a unit because the owner was very delinquent in fees and other bylaw infractions... the owner had a potential buyer that was asking us to drop/forgive the lien/amount, trying to convince us it would lead to a better, less delinquent owner. We refused largely because the potential buyer was a family member and we were expecting they'd likely just revert the ownership back to the original delinquent owner.
@@Lon1001 I probably have a lein on mine due to late utility payments, but fortunately it's only like 30 bucks to clear it which I'll pay when we sell.
Voices can be deceptive. How many times have we heard a caller that sounds old but is actually only 24 ys old. Or a lady that sounds young but was in her fifties.
I think an important fact that was left out was their age. I mean she said she had a medical problem too and if they're say in their 60's or 70's maybe, That would make a difference.
It's weird to hear Dave advice someone in debt to "borrow" money to get out of debt. I totally understand his strategy but still weird since Dave is always preaching against all and any forms of borrowing money in any circumstance to get out of debt.
He’s saying is really smart, if they borrow and settle then sell the house and with the profits they pay off the loan. They keep more , the lean on the house is for 21k so if they sell they lose 21k profits but if you borrow 10k and settle then the lean goes away and you keep more profits. He’s not saying to borrow for years. Borrow and pay it off as soon as you sell.
The original bill owed to the hospital was likely sold to collections for less than 25cents on the dollar, which is why he's suggesting to negotiate (and the only way to negotiate effectively is with cold hard cash which the collections company wants in order to make their profit). I think morally speaking, when the hospital (or whatever original lender/service provider) decides to take the loss and write off their debt by offloading it, Dave sees the relationship of borrower and lender shifting, and that by virtue the old debt becomes a new and different debt to a different lender that the borrower never directly entered into an agreement with but nonetheless is indented to anyways. Because of the nature of that transaction I think he allows for the caller to use any means that don't increase their risks, which in this case a loan can facilitate (so long as everything is in writing and clear).
I think his rationale in these situations is that a person is, in substance, not really engaging in new borrowings. They are merely making a lateral shift (i.e., trading one debt for another) and, in a case like this, also reducing the total debt balance.
Uncle Dave did not change his stance on borrowing money! He actually said "Don't take the money" 04:28 -04:29. He said to use the offer of a loan as a negotiation tool but not actually take the money.
My wife was taken to an out of network hospital. No negotiation on the bill, 60/40 not 80/20, no cap $100K neg to $50K>> 20%>>$10K>>$5K cap or $100K>> 40%>> $40K, no cap>> $40K went on a $700/wk payment plan
@@annkrull9894 There is a company the buys two Hospitals/year. Samaritan hospitals (non-profit) that do not have another hospital within 50 miles. My town's hospital got bought (50K population and also the next town (50K pop). The hospitals are converted to for profit and all insurance is out of network. Appeal to who? It was so bad, my employer would pay mileage, meals, hotel to go 200 miles to in-network. My employer was self-insured and used BC/BS as the gatekeeper.
@@kara2162 NY’s income tax is variable but at their income level it’s $1042 + 5.97% above $21400. So they’d pay ~$3950 at $70K/year. NC’s state income tax is 4.99% or $3430 at $70K/year. They’d save a whopping $500/year or $42/mo. What is this $1K/mo number you’re making up?
@@kara2162 yep, but I bet they won't be able to earn 70k in NCarolina. They will be lucky to make 30k. They need to stay where they are and get on a budget
Let's clarify please : NC does have income tax. It's not low either at a flat 5.25% unless you're a high earner and at 70k/year he is not. Pretty sure that's actually higher than NY for that income bracket. 2nd- quit moving here, you're killing our ability to survive much less afford to ever buy a house!!!
There is a garnishment in place already, meaning the suit was filed in the proper time frame. They creditor would likely be willing to take a lump sum, I totally agree, but it can't be cancelled.
@@anthonykence9954 Yes, a statute of limitations is time based, but that is Pre-lawsuit, Pre-judgment. There is already a garnishment in place meaning a judgment was entered, so the statute of limitations is moot. The case has already been adjudicated within the time allowed by law, at which point the "limitation" clock stopped. Now they can continue collection efforts forever- until paid in full. But most creditors want cash in hand, thus might settle with a good enough offer. Although with the lien against the house they may be content to wait. I would never open discussions about moving with them in negotiating a discount, that's for sure.
@@lindab2323 I understand that but if the statue of limitations had expired on the debt and they still sued you on that debt and you can prove they sued you after the time ran out . You can get the debt thrown out.
I love how Dave thinks all creditors are desperate to get their money. They are getting their money right now, and they know the only reason that this couple would try to get the lien off is to sell, so they know they will get it in full then. They are not doing to deal with them.
I looked into working for them in The UK. Even attended a conference. For what it's worth, my opinion is they seemed genuine in wanting to help people. (PS I decided not to work in finance so did not join the organisation.)
I have to disagree. I've done medical billing. If you have medical coverage thru car ins coverage. The medical facility will bill the auto insurance co for payment. If she didn't follow up to make sure it was billed to ins, and bill was dropped to her, and she ignores it, it would be handed over to collections
Never leave debt unsettled. Unless you wanna run away of the country and never look back, take care of it. I don't think moving is the right thing to do, I will take care of the debt first and then take decisions.
This would also be solved if we had UH. Ya know since we pay thousands to insurance just to pay tens of thousands to hospitals anyway. Rich people are the only ones that are actually get real medical care in this country.
I pay $40/month for medical, dental and eye insurance plus regular copays. I dont know who is paying "thousands for insurance" how much do you think taxes will go up with UH? Countries with UH usually charge around 30-45% federal tax for people making $40k/yr ($19/hr).... but Bernie sanders leaves out that detail, doesnt he
I've seen Dave advise something similar if someone has a large car loan and needs to borrow a small amount to cover the deficit. Dave's rationale in those situations is that, in overall substance, they're not borrowing new money. They're just making a lateral shift from one debt type to another and also reducing their overall debt balance.
Surprised he didn't tell her to deliver pizza since, per fave, you can make thousands a month doing that, or work overtime 100 hours a week, or now grass for thousands,
@@loverules5118 you lose 30℅.. I lose 40% but we have free medical care and university. I'll keep my deal. I also like knowing that my friends and neighbors all have access to medical care. (Psychiatric care included..)
@@loverules5118 exactly my thoughts. Canada is an example, high taxes, high cost of living, high housing cost. Free healthcare is a poisonous gift, no thanks!
@@lady56725 And the Healthcare in Canada isn't even that good...I see it with wife's family. They were sick recently and nobody wants to see them. All those taxes for subpar Healthcare. Good reason why people from other countries come to the US for Healthcare. Socialized medicine is a joke. If you don't have proper insurance in the US that's your fault.
![GEEK TIMË [OFFICIAL AUDIO]](http://i.ytimg.com/vi/ry-6RvkH880/mqdefault.jpg)
The creditor already has a garnishment and a lein in place, they have no real incentive to settle when they're going to get the full judgment eventually. The time to settle was years ago.
YUP!
It is a sad story.... but from a risk management standpoint the creditor has the advantage. They got the judgment and lien in their pocket; and the garnishment is bringing the money in. The ppl aren't bankrupt....so there's really no risk to them that would compel them to settle.
Exactly.
Good luck trying to get a settlement when the creditors are already getting their money through garnishment.
The only possible incentive (and thus the only potential leverage) is if the garnishment schedule is going to take years to pay the balance off. In that instance, they might be willing to accept the less than full balance in order to speed up the process.
But yeah, any other leverage is already lost at this point.
What about the Real Estate Commission
This call is exactly the type of caller the Ramsey plan will help to no end. Its great for people who are not financially literate
Works for those who are financially literate too! You know, staying out of debt and buying things in cash.
@@bradleymaravalli2851 No question about it. Fortunately the Ramsey plan isn’t the only plan that works but for people that are not financially literate? It’s the best plan.
Yes it's like finicially training wheels
It's also good for people who think they are financially literate but aren't.
Wow, what a mess. I hope everything works out for the family.
When I discovered Dave Ramsey it made me get my life together and grow up. I stopped partying, going to concerts , spending money on dumb things. Now I live the simple life. Paying off debt and slowly saving money.
Boring!!! However, that's just what we all need, simple and boring being debt free.
Good for you. Good luck.
How much debt you got bro? I got 25k but I’m working on it now
When you get the debt payed, you might find that you have more money to party, go to concerts, buy dumb things. Question is do you really want to do that stuff all the time, nothing wrong with partying or concerting, but that should not be a life goal.
@@jrus690 not a life goal , especially now that I have kids, I may go out here and there but when I do all I think about is how to be safe to get back home to my boys
Ramsey: how are you?
Caller: I’m doing great
Me: then why you calling Ramsey
Gods calling you do North Carolina, and you love the area?!?! What luck!
God’s telling me to have a glass of wine. What luck!
He just called me and said NC is full. Please take the Floridians with you.
It's amazing how often God's interests align perfectly with the interests of the people called to carry them out.
@@SalisburySnake happens more than not, it seems!
Right? It’s like God never calls these people to go through tough times or make sacrifices or do something they don’t necessarily want to do.
This reminds me of the one call where the lady said that the husband didn’t wanna pay their medical bills because after seven years they fall off and I distinctly remember Dave saying that may happen or they may just take your check or something to that effect. Anyway Dave told them that they need to continue on their debt-free journey and pay the debt including the medical debt not sure if they listened but if they’re listening to this call I hope they do.
Mine fell off after yrs of ignoring over 50k in debt. I'm glad they did.
statue of limitations right? I think they do "fall off"
@@kayn2756 Did your wages ever get garnished? Do you know if its a particular type of medical debt that goes away?
Probably the same woman
Sometimes the insurance pays and people don't realize it
Sorry to hear this situation. Very sorry.
I can’t wait to leave New York. This state makes so much money from taxes, it’s should be illegal. I’m hoping to move to Delaware or Texas, definitely can’t stand NYS anymore.
@Prey R I really want to move to a free income state tax. Currently I paid over 45k in taxes on yearly basis but this is because I’m in a high income tax state, with no kids and not married. Not having anything to claim is really hurting me to the core. 😢
@Prey R what's the average effective tax rate for Washington state? I mean I can look it up, but figured I'd ask since you might know.
Just be careful of the property tax if you move to texas.
They won’t negotiate a dime if they find out the place is for sale.
Sometimes they do.
God is calling them to North Carolina? 🙄. Just say you like NC.
lol
religious people you must laugh at them...
@@summerforever6736 They are dangerous.
God actually called Hungry Howies yesterday and sent me a pizza 🍕
@@brighterpoet I know this wasn’t your point, but I LOVE me some Hungry Howie’s pizza.
Religous people in a nutshell
Can't buy a place in NC for same or less than the 169K current home.
Loving your programs dave you are the best
Agreed - and for those who are literate and want a risk free plan.
Will they really be saving that much in taxes between New York and North Carolina? And don't forget they'd need to eventually purchase another home which they'd have to start from scratch.
Not that much. Only a couple hundred bucks. Dave makes it sound like they will save thousands a year.
I know I could but I'm debt free and don't need to commute.
The tax rate in Rochester NY is insane and going every year
the fact that they owe 120k on the house was smth I wish I heard earlier. its not exactly the most reliable ticket to a new life but it is still a fresh start if they're willing to keep saving
Must be a trailer I am guessing and not a stick built house?
Wow my C-section was 20k! Thankfully the hospital has financial assistance up to a certain cap, all i paid was $200 and the hospital took care of the rest!
They're not going to negotiate with a lien secured on the house. They have no reason to. With equity in the house that exceeds what they owe, they will prefer to wait a bit and collect upon the sale.
That's a good point... I'm on the condo board where I live and we had to place a lien on a unit because the owner was very delinquent in fees and other bylaw infractions... the owner had a potential buyer that was asking us to drop/forgive the lien/amount, trying to convince us it would lead to a better, less delinquent owner. We refused largely because the potential buyer was a family member and we were expecting they'd likely just revert the ownership back to the original delinquent owner.
@@Lon1001 I probably have a lein on mine due to late utility payments, but fortunately it's only like 30 bucks to clear it which I'll pay when we sell.
170k in Rochester NY?
That's cheap.
makes no sense
@@summerforever6736 What make's no sense?
To move? Yeah. They really aren't saving anything.
Prob in the rough part of town.
@@jimmymcgill6778 no 170k in Rochester is sounds low to me
@@summerforever6736 That's why I said it was cheap.
She won't remember a word of this and will do nothing
I would not sell my house and I won’t move..they have NO money! Nothing saved - debt up to their eye balls. Just stay put. She needs a JOB
I wish he would have asked their ages. She sounds older. Sad.
I would think age would be an important part in how to solve this problem.
Why is it sad that she sounds old?
People do get old. You will too.
Voices can be deceptive. How many times have we heard a caller that sounds old but is actually only 24 ys old.
Or a lady that sounds young but was in her fifties.
@@jimmymcgill6778 it’s sad they are old and have no net worth.
@@patty109109 Well we don't know if they have retirement or not.
Why is she complaining about the taxes, they make 70k it isn't an issue
could they have issued a 30-year home loan, or a heloc to pay for the medical services, in order to avoid the issue?
People: 50%
Dave: 50 CeNts On ThE dOlLeR
🤣🤣🤣
South Carolina has low taxes too.
I think an important fact that was left out was their age. I mean she said she had a medical problem too and if they're say in their 60's or 70's maybe, That would make a difference.
It's weird to hear Dave advice someone in debt to "borrow" money to get out of debt. I totally understand his strategy but still weird since Dave is always preaching against all and any forms of borrowing money in any circumstance to get out of debt.
He uses this often when people call in trying to pay off a payday loan or a rent to own situation.
He’s saying is really smart, if they borrow and settle then sell the house and with the profits they pay off the loan. They keep more , the lean on the house is for 21k so if they sell they lose 21k profits but if you borrow 10k and settle then the lean goes away and you keep more profits. He’s not saying to borrow for years. Borrow and pay it off as soon as you sell.
The original bill owed to the hospital was likely sold to collections for less than 25cents on the dollar, which is why he's suggesting to negotiate (and the only way to negotiate effectively is with cold hard cash which the collections company wants in order to make their profit). I think morally speaking, when the hospital (or whatever original lender/service provider) decides to take the loss and write off their debt by offloading it, Dave sees the relationship of borrower and lender shifting, and that by virtue the old debt becomes a new and different debt to a different lender that the borrower never directly entered into an agreement with but nonetheless is indented to anyways. Because of the nature of that transaction I think he allows for the caller to use any means that don't increase their risks, which in this case a loan can facilitate (so long as everything is in writing and clear).
I think his rationale in these situations is that a person is, in substance, not really engaging in new borrowings. They are merely making a lateral shift (i.e., trading one debt for another) and, in a case like this, also reducing the total debt balance.
Uncle Dave did not change his stance on borrowing money! He actually said "Don't take the money" 04:28 -04:29. He said to use the offer of a loan as a negotiation tool but not actually take the money.
Why’d the insurance not pay the medical bills ? Injuries from an accident are typically covered by your insurance.
Maybe they were found at fault? Like maybe she was on drugs or drinking & driving and so they wouldn’t pay out? Idk!
My wife was taken to an out of network hospital.
No negotiation on the bill, 60/40 not 80/20, no cap
$100K neg to $50K>> 20%>>$10K>>$5K cap
or
$100K>> 40%>> $40K, no cap>> $40K
went on a $700/wk payment plan
@@aolvaar8792 omg thats insanity!
If she was an emergency and taken to out of network place you appeal immediately to get it paid!!! Grow a pair folks
@@annkrull9894 There is a company the buys
two Hospitals/year.
Samaritan hospitals (non-profit) that do not have another hospital within 50 miles.
My town's hospital got bought (50K population and also the next town (50K pop).
The hospitals are converted to for profit and all insurance is out of network.
Appeal to who?
It was so bad, my employer would pay mileage, meals, hotel to go 200 miles to in-network.
My employer was self-insured and used BC/BS as the gatekeeper.
Everybody trying to move to NC. I'll never be able to buy a house. 🙃🙃🙃
Then move to SC!
@@tancreddehauteville764 😂😂😂
@@tancreddehauteville764 eww
Tell me about it, I live in Tampa Bay!
@@brighterpoet I thought California was the worst?
would they really save that much money in taxes with a household income of 70,000$ ? I think she is over optimistic about the savings
New York State taxes are pretty high. They would probably net an extra 1k a month plus cost of living is lower.
@@kara2162 You won't save that much.
@@kara2162 Ny doesn’t charge $1k month in taxes combining income/gas/sales at their income.
@@kara2162 NY’s income tax is variable but at their income level it’s $1042 + 5.97% above $21400. So they’d pay ~$3950 at $70K/year. NC’s state income tax is 4.99% or $3430 at $70K/year. They’d save a whopping $500/year or $42/mo. What is this $1K/mo number you’re making up?
@@kara2162 yep, but I bet they won't be able to earn 70k in NCarolina. They will be lucky to make 30k. They need to stay where they are and get on a budget
Let's clarify please : NC does have income tax. It's not low either at a flat 5.25% unless you're a high earner and at 70k/year he is not. Pretty sure that's actually higher than NY for that income bracket. 2nd- quit moving here, you're killing our ability to survive much less afford to ever buy a house!!!
Ha. They are prob getting murdered in property taxes.
I've known many people that owe medical bills but never have a lien on property. Seems odd to me.
She sounds like a smoker and that's expensive as well.
Settle the Debt immediately .How old is the debt if they sued you after the statute of limitations was over , you can get the debt canceled.
There is a garnishment in place already, meaning the suit was filed in the proper time frame. They creditor would likely be willing to take a lump sum, I totally agree, but it can't be cancelled.
That’s not how the statute of limitations works.
@@adamseidel9780 yes its exactly how the statue of limitations works..its all time based
@@anthonykence9954 Yes, a statute of limitations is time based, but that is Pre-lawsuit, Pre-judgment. There is already a garnishment in place meaning a judgment was entered, so the statute of limitations is moot. The case has already been adjudicated within the time allowed by law, at which point the "limitation" clock stopped. Now they can continue collection efforts forever- until paid in full. But most creditors want cash in hand, thus might settle with a good enough offer. Although with the lien against the house they may be content to wait. I would never open discussions about moving with them in negotiating a discount, that's for sure.
@@lindab2323 I understand that but if the statue of limitations had expired on the debt and they still sued you on that debt and you can prove they sued you after the time ran out . You can get the debt thrown out.
I love how Dave thinks all creditors are desperate to get their money. They are getting their money right now, and they know the only reason that this couple would try to get the lien off is to sell, so they know they will get it in full then. They are not doing to deal with them.
They need to live in a RV. A cheap RV.
Hi Dave
I need to combine my 401ks and a Primerica agent is excited to work with me. Did ypu have connections with Primerica? What do you advise?
I looked into working for them in The UK. Even attended a conference. For what it's worth, my opinion is they seemed genuine in wanting to help people. (PS I decided not to work in finance so did not join the organisation.)
@@henriettanyan4866 Strangest thing....
I just got a call from a friend who used to be a rep and trusts them.
Thank you
Primerica insurance is great...very happy dealing with them for my insurance policy
is that all your house is worth in Rochester New York? I thought it was much more expensive to live there.
Auto insurance didn't pay medical? Should have got a lawyer.
Collections
I have to disagree. I've done medical billing. If you have medical coverage thru car ins coverage. The medical facility will bill the auto insurance co for payment. If she didn't follow up to make sure it was billed to ins, and bill was dropped to her, and she ignores it, it would be handed over to collections
585 represent!
They must have been taking loans out against the house, or they just bought it
Yeah, they owe more on the house and debt than the house is worth. They're broke.
@D C That has to be really scary being underwater on a house and forced to retire because you got sick.
Can’t they just file bankruptcy?
NC is full please seek out Tennessee.
Never leave debt unsettled. Unless you wanna run away of the country and never look back, take care of it. I don't think moving is the right thing to do, I will take care of the debt first and then take decisions.
Interesting...I wasn't aware there are houses in NY for less than 200k.
Upstate NY far out from the city
Or houses in the hood
Let's see how this goes.
Dave "what's your household income?" Ramsey
Did Dave recommend borrowing money!?!
Can she sell house with a lien on it……?
God didn't tell you to go to north Carolina, your bank account did.
NC does not need people with this naiveté and bringing their political opinions which are antithetical to the good things that are bringing you to NC.
Womp womp womp shut up
She has her radio on in the background and it is annoying.
This would also be solved if we had UH. Ya know since we pay thousands to insurance just to pay tens of thousands to hospitals anyway. Rich people are the only ones that are actually get real medical care in this country.
I pay $40/month for medical, dental and eye insurance plus regular copays.
I dont know who is paying "thousands for insurance" how much do you think taxes will go up with UH? Countries with UH usually charge around 30-45% federal tax for people making $40k/yr ($19/hr).... but Bernie sanders leaves out that detail, doesnt he
Dave's naive these creditors aren't setliing anymore.
How can medical debt be a thing in the "greatest country in the world"? Barbaric.
Don't forget cap gains taxes on the profit...
At that price not subject to capital gains if it was their primary residence, and they have not sold within the past two years.
God calls people to where lower taxes are
They can’t run their own lives. They are terrible with money.
did..... did.... did dave just say go to the bank and get a loan?! The CERN conspiracy with the Mandela effect has to be true. im now convinced.
I've seen Dave advise something similar if someone has a large car loan and needs to borrow a small amount to cover the deficit.
Dave's rationale in those situations is that, in overall substance, they're not borrowing new money. They're just making a lateral shift from one debt type to another and also reducing their overall debt balance.
Surprised he didn't tell her to deliver pizza since, per fave, you can make thousands a month doing that, or work overtime 100 hours a week, or now grass for thousands,
Yikes.
Good old USA - land of medical debt. So happy I live in a country with socialized medical care.
AMERICAN don't lose half a paycheck to taxes to pay for that FREE MEDICAL
@@loverules5118 you lose 30℅.. I lose 40% but we have free medical care and university. I'll keep my deal. I also like knowing that my friends and neighbors all have access to medical care. (Psychiatric care included..)
@@loverules5118 umm I'm single with no dependents in CA, almost half my paycheck goes to taxes
@@loverules5118 exactly my thoughts. Canada is an example, high taxes, high cost of living, high housing cost. Free healthcare is a poisonous gift, no thanks!
@@lady56725 And the Healthcare in Canada isn't even that good...I see it with wife's family. They were sick recently and nobody wants to see them. All those taxes for subpar Healthcare. Good reason why people from other countries come to the US for Healthcare. Socialized medicine is a joke. If you don't have proper insurance in the US that's your fault.
Not bright, people.
🙏✝️
They must not have had the proper car and health insurance.
Gets into an accident 10 years ago and she is still paying for hospital bills 💀
Dave is advising people to take out loans now?🫣