40-Year-Old Mom Of 4 Faces Foreclosure After Husband Dies, Dave Ramsey Says 'You Are Not Getting Foreclosed On...I Know How To Stop This'

When Sarah, a 40-year-old mother of four, called into "The Ramsey Show," she was facing the unimaginable. After losing her husband in a tragic workplace accident, she now faced the possibility of losing her home.

But Dave Ramsey had a message for her — and it was one of hope, not fear.

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A Tragic Loss and Financial Fallout

Sarah explained that her husband, just 36 years old, died after falling through a skylight while working on a roof. The accident left her family reeling, emotionally and financially. After his death, Sarah and her children relied on Social Security and insurance benefits. But earlier in the year, the insurance company froze payments due to an appeal, sending her finances into a tailspin.

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She started a job at Lowe's corporate office in a remote role making $20 an hour. Despite the job and stable hours, the months without income had already left her five payments behind on her mortgage.

"I wasn't taught the best discipline when it comes to money," she said, through tears. "But I'm trying to fix that."

‘You Are Not Getting Foreclosed On'

Ramsey quickly cut through the fear. After learning that Sarah owed just $64,000 on a home worth $375,000, he told her: "You are not getting foreclosed on. Breathe. I know how to stop this."

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With the foreclosure date still over a month away, Ramsey reassured her that his team could step in. He arranged for one of his local financial counselors to help negotiate with the mortgage company and assist her in getting current.

"This is taken care of," he said. "We're going to take care of it."

More Than Just Financial Help

The emotional toll of Sarah's journey was not lost on Ramsey or co-host John Delony. Delony emphasized the importance of Sarah's decision to reach out for help — not just for herself, but for her children.

"They get to see what it looks like when a grown-up gets hit with everything… and they begin to regain their faith in humanity," he said. Delony also offered free professional counseling through BetterHelp to support her mental health.

Ramsey encouraged Sarah to lean on local community support, including finding a nearby church. "You need some community loving you well," he said. "You've been doing all this by yourself, and it's terrifying."

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A New Beginning, Not the End

Though Sarah’s situation was dire, Ramsey's message was clear: the foreclosure could be stopped, and the future didn't have to look like the past.

With community support, counseling, and hands-on financial guidance, Sarah was given more than advice — she was given a second chance.

"You’re not going to lose this house," Ramsey told her. "We have our ways. You're going to be okay."

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