I am a married 29-year-old with two kids.  Three years ago I stumbled across the Dave Ramsey show on the radio and I was hooked.  I knew from that point on I had to change my families tree.  Debt was going to be a thing of the past.

Fast Forward to now.  I was unfortunately forced to file bankruptcy.  It was due to the house we owned in West Virginia.  We were renting it out and then the tenants decided not to pay the rent.  After totally trashing the house, we were unable to sell it.

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