October 10, 2014 (The Dave Ramsey Show)

"I would never allow anybody from the collections world have access to my checking account under any circumstances." Dave Ramsey

May 6, 2014 (The Dave Ramsey Show)

"If you're going to allow a creditor have electronic access to something, just get a prepaid VISA card that's a one time use and then throw it away." Dave Ramsey

April 11, 2014 (The Dave Ramsey Show)

"There's two rules when you are settling an old bad debt: #1 is always get it in writing, if it's not in writing it didn't happen and rule #2 is never give them electronic access to your checking account or they'll clean you out." Dave Ramsey 

February 24, 2014 (The Dave Ramsey Show)

"When your truck is in the ditch financially, the things you catch up first and don't pay anybody until you do this is food, lights and water, car, and house...you get what we call the four walls of your house. You have to build a fort around your life to be able to fight through the rest of the mess." Dave Ramsey

January 15, 2014 (The Dave Ramsey Show)

"In writing, get money; not in writing, don't get money." Dave Ramsey

August 22, 2013 (The Dave Ramsey Show)

"If you don't have it in writing, it didn't happen." Dave Ramsey

May 15, 2013 (The Dave Ramsey Show)

"Anytime you are settling with a debt you are in an adversarial situation, an argument if you will; so you do not ever give them electronic access to your checking account." Dave Ramsey

May 15, 2013 (The Dave Ramsey Show)

"You should not settle a debt that you legitimately owe and you have the money to pay." Dave Ramsey

March 20, 2012 (The Dave Ramsey Show)

"Once a bill has been paid it is illegal to try to collect it, hello!" Dave Ramsey 

February 21, 2011 (The Dave Ramsey Show)

“A percentage of collectors, especially these debt buyers who buy old debt that’s bad debt and they buy it for 5, 6 cents on the dollar, they don’t even care if it’s you; they have found that some people are so spineless that they can just pester them enough that some people will pay a bill they don’t owe” Dave Ramsey

January 31, 2011 (The Dave Ramsey Show)

“This is a moron in a cubicle 500 miles away who calls people all day long on 10 year old debts. Can you think of a worse job? Cleaning septic tanks is easier” Dave Ramsey

January 10, 2011 (The Dave Ramsey Show)

"You can tell a credit card collector is lying if its mouth is moving; they're scum" Dave Ramsey

January 10, 2011 (The Dave Ramsey Show)

"If you're going to settle a debt with a credit card company, always get it in writing and never allow them automatic access to your checking account" Dave Ramsey

December 8, 2010 (The Dave Ramsey Show)

“Just tell them you talked to your financial counselor and he said: According to the Federal Fair Debt Collection Practices Act, they’re going to have to provide written proof of this debt, otherwise we don’t have anything else to talk about” Dave Ramsey

November 11, 2010 (The Dave Ramsey Show)

"Bank of America's collections department is filth, trash and nastiness; they're scum...they are lying if their mouth is moving" Dave Ramsey

October 26, 2010 (The Dave Ramsey Show)

"American Express sucks! Let me be real clear about that: they are no better than the BOA of the HSBC, they suck! I'm sorry if you work for them but American Express sucks! They're in line with the rest of the predators" Dave Ramsey

October 15, 2010 (The Dave Ramsey Show)

"As weird as it sounds, you can actually trust attorneys better than you can credit card collectors" Dave Ramsey

October 14, 2010 (The Dave Ramsey Show)

"There's a few good collectors out there but the majority of them, especially on the credit card side, are scum" Dave Ramsey