January 17, 2012 • Page 6 shop online at www.missourivalleyshopper.com DAVE SAYS: How Much Am I Really Liable For? Dear Dave, I have old credit card debt that goes back a few years. The account has been sold and re-sold to several collection companies. The limit on the card was $300, but with late charges and fees I now owe $1,500. Am I liable for the extra $1,200? Monica Dear Monica, You agreed to their terms, which included the right to charge fees and penalties. Legally, they can do this. The honorable thing would be to send the company you contracted with a check for the full amount. However, that compa- ny no longer owns the debt, and they won’t get the money. They sold the debt. The present holder is just hoping to get something out of it. They buy debt in volume, dirt cheap, and whatever they can collect from any creditor is pro?t. The current collection company would proba- 2012 SIOUX EMPIRE FARM SHOW HEREFORD SALE THURSDAY JANUARY 26TH WH LYONS FAIRGROUND SIOUX FALLS, SD bly be thrilled to settle for a lot less than face value. Make them an offer, but start really low. You can probably meet them somewhere in the middle and settle this for around $500. Do not give them any money until you have in your hand – on paper, in writing – a statement showing the amount for which they will settle, and do not give them electronic access to your bank account, either. Once you have this in hand, send them a cashier’s check or money order, and keep a copy of that payment and the letter for the rest of your natural life! —Dave Going too far? SHOW 8:00 AM SALE 11:30 AM Dear Dave, Your plan has been a real blessing to us. Last week, my mother-in-law told my husband they haven’t paid their property taxes yet. Three thousand dollars is due. I love my in-laws, but they’re big spenders. They’ve got plenty of money and love to take lots of trips. We make good money, too, and could help them out, but we’re afraid this may be SELLING 25 HEAD 18 BULLS 7 HEIFERS HORNED AND POLLED “HE SELLS!” CATALOG AVAILABLE AT www.siouxempirefarmshow.org FOR MORE INFORMATION CONTACT: John Schmidt – 507-825-2383 • Pete Atkins – 605-368-2837 Phil Eggers - 605-351-5438 just the tip of the iceberg. What’s your advice on handling this? Kelly Dear Kelly, This is a really touchy situation. First of all, you shouldn’t do anything. Your husband needs to handle this, because he’s their son. Even if you make kind, polite suggestions, they’ll assume you’re the one withholding from them. You don’t want to be labeled as the evil daughter-in-law! I understand your position and agree that you don’t want to enable their bad habits. Giving a drunk a drink is never a good idea. But this is family we’re talking about. You should try to ?nd a way to help them if you can. If that help includes money, make certain you know exactly where it goes. When you give someone $3,000 (the amount needed for the taxes) you earn the right to have a say in what’s happening. Maybe your husband could go have coffee with them and just talk about things. He could explain how you guys are getting out of debt, and living on a budget to get control of your money. He could tell them how Dave RAMSEY it’s been a fabulous thing for your marriage and your ?nances, and that he’d love to show them how you’re doing it. I’ve got a feeling that mom and dad didn’t raise their son to have dessert ?rst and then eat his vegetables, but that’s exactly what they are doing. They need to pay their property taxes before they go running off on a bunch of fancy trips. From what you said, they’ve got the money to take care of what needs to be done and have some fun. But if they don’t correct their course, they’re liable to have their ?nancial dignity stripped away. —Dave * For more ?nancial help, please visit daveramsey.com. Rasmussen Motors www.rasmussenmotors.com 209 W. Cherry St., Vermillion, SD • 605-624-4438 • 1-800-568-5004 Mon.-Fri. 7:30 a.m.-5:30 p.m. • Sat. 8 a.m.-3 p.m., Open Nights By Appt. 2008 Chevrolet Tahoe LT 5.3LV8, Auto, AC/Front/Rear, Tilt, Cruise, AM/FM/XM/CD, P/Windows, P/Locks, P/Seats, Heated Seats, 8 Passenger Seating, Leather Seats, Local One Owner, We Sold New, 38K $29,995 CARS One Owner Gary Rasmussen 624-9612 Ric Rasmussen 624-5204 Randy Rasmussen 624-1098 2007 Ford Expetition XLT 2010 Chevrolet Tahoe LT 5.4LV8, Auto, AC/Front/Rear, Tilt, Cruise, AM/FM/CD, P/Windows, P/Locks, P/Seats, Heated Leather Seats, Local Trade In, 61K 5.3LV8, Auto, AC/Front/Rear, Tilt, Cruise, AM/FM/XM/CD, P/Windows, P/Locks, P/Seats, Leather Seats, 8 Passenger Seating, 19K $19,995 Local Trade 2011 Buick LaCrosse CXL, 4 Cyl, Remote Starter, 21K......................................$25,995 2011 Buick LaCrosse CXL, Black, Remote Starter, 9K........................................$26,995 1999 Buick Lesabre 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Cab, Short Box 4x4, 5.3L V8, Auto, P/Seats, Running Boards, Local Trade In, 60K. $18,995 2006 GMC Sierra 1500 SLT Crew Cab, Short Box, 4x4, 5.3L V8, Auto, Leather, Local Trade In, 70K. . . . . . .$18,995 1998 GMC Sierra 1500 SLE Reg Cab, Long Box, 4x4, 350 V8, Auto, Running Boards, Local Trade In. . . . . . .$6,995 1996 GMC Jimmy, V6, Auto, 4x4, 150K...................................................................................................$4,995 1995 GMC Suburban SLE, Auto, Full Size, 350 V8, 4 Wheel Drive............................................................$4,995 2006 Jeep Liberty 4x4, 116K..................................................................................................................$9,995 1999 Jeep Grand Cherokee 4x4, Leather Seats, Local Trade In, 175K......................................................$4,995 1998 Plymouth Voyager, 8 Passenger, 148K............................................................................................$3,995 1999 Pontiac Montana, 7 Passenger, 94K..............................................................................................$4,995