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Dave Ramsey on a caller thinking about filing bankruptcy over $12,000 in debt.Caller: “I’ve been considering Chapter 7. I racked up around $12k in debt during COVID. I could pay about $1,500 to file and start fresh. I’m making between $10k and $25k a month now.”Dave: “You’re earning up to $25,000 a month and stressing over $12,000? You could tighten your budget for a single month and wipe that debt out.”He also pointed out that bankruptcy can make it much harder to qualify for a mortgage for yea
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