September 16, 2014 (The Dave Ramsey Show)

"Number one cause of bankruptcy: not carrying health insurance." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"I had a choice of making 20 something thousand dollars a year or going back to doing something entrepreneurial and from the time I went bankrupt I was back in six figures within about 18 months and could always make a lot more on my own than I could make trying to work for somebody else." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"When I went broke, one of the biggest things I had to do, recovery-wise, was to recover spiritually because I felt like crap...it was the lowest point of self-esteem I can remember." Dave Ramsey

May 14, 2013 (The Dave Ramsey Show)

"You don't file bankruptcy when you're behind on one bill; you don't file bankruptcy because you're scared and don't see a way out." Dave Ramsey

April 1, 2013 (The Dave Ramsey Show)

"Zig Ziglar used to say: Why don't you just sit and look at your hand...What would you pay for two fingers? What would you pay for a leg? What would you pay for the power of speech? For your hearing? For your eyesight?" Dave Ramsey

February 20, 2013 (The Dave Ramsey Show)

"When you call me up and you're bankrupt, don't talk to me about a vacation and don't talk to me about eating out." Dave Ramsey

June 27, 2012 (The Dave Ramsey Show)

"Are you mathematically cornered and have no other options...is when you might look at bankruptcy." Dave Ramsey

June 6, 2012 (The Dave Ramsey Show)

"I treat bankruptcy like I do divorce, I try everything possible to avoid it." Dave Ramsey 

May 29, 2012 (The Dave Ramsey Show)

"You are not bankrupt if you only have $20,000 in credit card debt; [bankruptcy] doesn't solve your problem." Dave Ramsey

April 11, 2012 (The Dave Ramsey Show)

"Bankruptcy does not create an income, it just does away with the debt" Dave Ramsey

September 14, 2011 (The Dave Ramsey Show)

"I hate to see anyone file bankruptcy on 12 thousand dollars" Dave Ramsey

September 12, 2011 (The Dave Ramsey Show)

"Number 1 cause of bankruptcy in America today: medical; number 2 is credit cards" Dave Ramsey

September 1, 2011 (The Dave Ramsey Show)

"A foreclosure will count against you for about 3 years, maybe a little bit more, if everything else is squeaky clean and you got a great employment track record then [in] about 3 years you'll be bankable again for a mortgage give or take but it will stay on your bureau for 7 years" Dave Ramsey

February 28, 2011 (The Dave Ramsey Show)

“The only way I’d cash out a 401K is to avoid foreclosure or bankruptcy” Dave Ramsey

February 14, 2011 (The Dave Ramsey Show)

“There’s only 1 thing that actually repairs credit and that is time, paying your bills on time and letting it heal; after about 3 years of paying your bills on time and you don’t have any negative blemishes for 3 years you’ll still have the stuff on there for a total of 7 years but after about 3 years it won’t count against you hardly at all for most things, including buying a home” Dave Ramsey

January 19, 2011 (The Dave Ramsey Show)

"I think bankruptcy is like divorce; it's the last thing you do after you've tried everything else" Dave Ramsey

January 18, 2011 (The Dave Ramsey Show)

"Here's the principle of bankruptcy: If you could sell things that you own and pay your bills, by definition you're not bankrupt, even if it's unpleasant" Dave Ramsey

December 21, 2010 (The Dave Ramsey Show)

“Listen if you wanna file bankruptcy, you can file bankruptcy but you’re not bankrupt; you need a job and you need to get rid of this car, that’s a long way from being bankrupt” Dave Ramsey

December 7, 2010 (The Dave Ramsey Show)

“I can’t tell you the Bible says it’s ok [to file bankruptcy] but I can tell you God loves you either way” Dave Ramsey

December 7, 2010 (The Dave Ramsey Show)

“I’m a Christian and I’ve filed bankruptcy but I can’t tell you that it’s Christian to file bankruptcy; Christian would imply that the Bible indicates in somewhere that it’s ok to do that, I can’t find that” Dave Ramsey