DEAR DAVE: I lost my job a couple of years ago. As a result, I ended up in about $25,000 of debt through credit cards and a consolidation loan. Now I have a great job making more than I’ve ever made before, plus a car loan for about $13,000. The older debts went to collections, but I’m not being hounded by collectors at this point. I want to get control of my money and do things the right way, so how should I handle things? – MIKE

— Dave Ramsey offers financial advice as host of a nationally syndicated radio program, “The Dave Ramsey Show.” Locally, his program may be heard from 6 to 9 p.m. weekdays on TALK 104.1-FM WKCT. For more, visit www.daveramsey.com.