Charge-off worry and negotiating settlements

Dave and Jade advise a caller about a $10,000 card, explain charge-off meaning and negotiation timing.

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

"My credit card is about to be charged off. What should I do?"
"I just got laid off, should we use our savings to pay down debt?"
"Should I go on a free cruise while in Baby Step 2?"
"Should I sell my AirBnB?"
"Am I wrong to ask to be an equal co-owner in my husband's business?"
"Should I pay more than minimum payments to minimize interest while in Baby Step 2?"
"Should I take out a loan to buy a business?".

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