Ramsey Solutions Spam Text Settlement: Up to $45 Cash If You Got Unwanted Texts
By Steve Levine
Published: February 14, 2026
Claim Form Deadline: February 19, 2026
Payout: Up to $45 cash
Who Qualifies: Anyone in the U.S. who received at least one text from Ramsey Solutions between Nov 2020 and Oct 2025
If you've been getting text messages from Ramsey Solutions — Dave Ramsey's financial guidance company — about their products, courses, or events, and you didn't want them, you can get paid up to $45.
A class action settlement has been reached alleging that The Lampo Group LLC, the company behind Ramsey Solutions, sent marketing text messages without maintaining a proper do-not-call list. That means if you asked them to stop texting you and they kept going, or if they texted you without adequate procedures to honor opt-out requests, you're likely in the class. The settlement fund is $1,091,790 and it's paying cash to everyone who files a claim.
What Is Ramsey Solutions / The Lampo Group?
You may not recognize the name "The Lampo Group," but you almost certainly know the brand. The Lampo Group LLC does business as Ramsey Solutions — that's Dave Ramsey's company. Based in Franklin, Tennessee, it sells financial education products including courses, books, budgeting tools, and live events focused on getting out of debt and managing money. The company's flagship product is Financial Peace University, and it also runs The Ramsey Show, one of the most popular personal finance radio programs in the country.If you ever signed up for anything Ramsey-related — a course, a free trial, an event, a newsletter — your phone number may have ended up in their marketing system. The lawsuit says the company then texted people about products and services without properly maintaining a list of people who asked not to be contacted.
What Did the Lawsuit Allege?
The lawsuit alleges that Ramsey Solutions violated the Telephone Consumer Protection Act (TCPA) by sending text messages to people's cell phones without maintaining adequate internal do-not-call list procedures.The TCPA is a federal law that puts rules around telemarketing calls and texts. One of the key requirements is that companies must keep an internal do-not-call list — meaning if someone tells the company to stop contacting them, the company is required to actually stop. The lawsuit claims Ramsey Solutions didn't have proper procedures in place to make that happen, so people who may have asked to be removed kept getting texts anyway.
Ramsey Solutions denies all allegations and any wrongdoing. The court has not decided who is right. The two sides agreed to settle.
Who Qualifies?
You qualify if you were in the United States and received at least one text message from The Lampo Group (Ramsey Solutions) about its products or services between November 22, 2020 and October 23, 2025.If you received a postcard or email about this settlement, your phone number was identified in the company's records as having been texted during that time period.
What Do You Get?
Each class member who files a valid claim will receive up to $45 in cash. The total settlement fund is $1,091,790. After attorneys' fees, costs, and the service award are deducted, the remaining money gets distributed to people who filed claims. If more people file than the fund can cover at $45 each, the payments get reduced proportionally so everyone gets an equal share. Any leftover money after all payments are processed goes back to The Lampo Group.Important Dates
• Class Period: November 22, 2020 – October 23, 2025
• Opt-Out Deadline: January 5, 2026 (passed)
• Objection Deadline: January 5, 2026 (passed)
• Final Approval Hearing: February 4, 2026 at 2:30 PM — via Zoom, Circuit Court of Miami-Dade County, FL
• Claim Form Deadline: February 19, 2026
Attorneys' Fees
Class Counsel (Andrew Shamis and Christopher Berman of Shamis & Gentile, P.A. and Scott Edelsberg of Edelsberg Law, P.A.) will request 33% of the settlement fund, not to exceed $360,291. A service award of up to $5,000 is being requested for the class representative, Bretmichael Hood. These amounts come out of the settlement fund before payments are distributed to class members.What Happens If I Do Nothing?
If you do nothing, you get no money. You also give up your right to sue Ramsey Solutions over these same text message issues. The only way to get paid is to file a claim by February 19, 2026.How to File a Claim
File your claim online at lampotcpasettlement.com. You can also request a paper claim form by mail from the Settlement Administrator. The deadline is February 19, 2026 for both online and mailed claims.File a Claim
How Do I Find Class Action Settlements?
Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:Case Information
The case is Bretmichael Hood v. The Lampo Group, LLC d/b/a Ramsey Solutions, Case No. 2025-015136-CA-01, in the Circuit Court of the Eleventh Judicial Circuit in and for Miami-Dade County, Florida, before Judge Valerie Manno-Schurr.Defendant: The Lampo Group, LLC d/b/a Ramsey Solutions (Franklin, Tennessee).
Class Counsel: Andrew Shamis and Christopher Berman of Shamis & Gentile, P.A., and Scott Edelsberg of Edelsberg Law, P.A.
Settlement Administrator: P.O. Box 25226, Santa Ana, CA 92799.
Settlement Website: lampotcpasettlement.com
Settlement Notice
Sources
• Class Action Settlement Notice, Bretmichael Hood v. The Lampo Group, LLC d/b/a Ramsey Solutions, Case No. 2025-015136-CA-01 (11th Judicial Circuit, Miami-Dade County, FL)• Settlement Website: lampotcpasettlement.com
Filing Class Action Settlement Claims
Please submit only truthful information when filing your claim. If you are unsure whether you qualify, visit the settlement website or contact Class Counsel. OpenClassActions.com is a consumer news site and is not the settlement administrator or a law firm.
For more class actions keep scrolling below.
$25 Amazon Gift Card
Enter Here
Video Game Addicts Lawsuit
Deadline: Pending
Submit Claim
DraftKings & FanDuel Addiction Lawsuits
Status: Open
Submit Claim
Children playing Roblox and using Discord?
Pre-Qualify Here
Submit Claim
RoundUp Cancer Lawsuits: How to Qualify
Status: Open to Claims
Submit Claim
$5.5M Mid America Pet Food Settlement
Deadline: February 5, 2026
Submit Claim
$4.17M RevitaLash Conditioner Settlement
Deadline: April 20, 2026
Submit Claim
$87.5M Beef Prices Settlement
Deadline: June 30, 2026
Submit Claim
Dollar General Bait & Switch Settlement
Deadline: April 13, 2026
Submit Claim| Class Action Summary | |
| Status | Open — Accepting Claims |
|---|---|
| Claim Deadline | February 19, 2026 |
| Payout | Up to $45 cash |
| Settlement Fund | $1,091,790 |
| Category | TCPA / Spam Text Messages / Do-Not-Call Violation |
| Defendant | The Lampo Group, LLC d/b/a Ramsey Solutions |
| Class Period | November 22, 2020 – October 23, 2025 |
| Who Qualifies | U.S. recipients of at least one text from Ramsey Solutions during class period |
| Case Number | 2025-015136-CA-01 |
| Court | Circuit Court, 11th Judicial Circuit, Miami-Dade County, FL |
| Judge | Valerie Manno-Schurr |
| Final Approval Hearing | February 4, 2026 at 2:30 PM — via Zoom |
| Attorneys' Fees | Up to $360,291 (33% of fund) |
| Settlement Website | Class Action Site |