If you are W-2 or getting provable income over $2,400 per month gross.
Have had at least one auto paid in the past.
you can be approved at PREMIUM RATES! No discharge needed.
ReplaceVehicle has been recommended by Consumer bankruptcy attourneys throughout Southern California.
Mentioned in the
HI, I'M JEFF COHEN OF REPLACE VEHICLE
I've been working with clients that have filed bankruptcy for over 18 years now. In complete transparency I want to lay down exactly how the process goes; no matter where the application comes from the process is the same for EVERYBODY with Replace Vehicle.
What people are saying about Jeff Cohen, Replace Vehicle
Honest to goodness reviews from our clients.
I got put into a vehicle newer than the one I had and with way way less miles. This thing is almost brand new. I didn't think it would be this easy after the bankruptcy. Thank you Jeff. I was in and out in 30 min.
Wow. I am so grateful for the great service I received from Jeff he make buying a car a pleasant experience and I will return again for sure.
Jeff is awesome. Truly painless process and I was very surprised the vehicle I bought was flawless! I thought my situation was hopeless, but it turned out amazing...Thanks Jeff.....Ramon
Jeff was amazing. His customer service is first class all the way. I will be returning to buy another car for sure.
Oh my goodness!!! Jeff was awesome he delivered as promise...none of the games that are normally played by fhe salesman and finance dept.... If Jeff says it believe it...I will definitely refer him and deal with him in the future
It’s a good, fast, real, I get my car with out hassles, paperwork was ready and clear Great service and willing to help to you start driving you newest car . Mr Jeff was great . 100% Recommend
Get approved for ZERO DOWN!
If you owe more than your vehicle is worth, do you know your post-discharge options?
Most of us rely on our vehicles to get to work, to the store, to the doctor and to drive our children to school and play. Giving up your vehicle is really not an option. However, you are afraid that after you discharge you will only be able to get a high-interest loan to pay for your car, if you can get a loan at all. Many people confronted with this situation keep the car, reaffirm the debt and continue to pay very high interest rates in order to continue driving. Replacevehicle has a better solution.
Make Good Choices
A discharge is a new financial beginning. It is important to make good decisions about your future, and that includes future automobile loans. In order to secure the best possible auto loan, you need the help of a professional who can offer good financing and a great deal on the vehicle of your choice.
It is also important to remember that a car is really nothing more than metal and glass that loses value every year. It does not make sense to go into debt for a new vehicle when you can get by with a less expensive one. You can always trade your vehicle once it is paid off, so start small and build your credit up again before you try to purchase an expensive vehicle.
The Truth About Discharge
Do not be surprised if you are inundated with pre-approved offers for car loans. There is a reason you are the target of so much interest: car dealers know that you just received your discharge and cannot file bankruptcy again for some time. Therefore, you are actually a better risk than someone teetering on the brink of bankruptcy but who has not yet filed. Furthermore, car dealers know that you may be desperate to get into a vehicle. They realize that you may not be aware of your options and that they can extract enormous interests rates by making you believe they are “doing you a favor.”
What Is The ReplaceVehicle Difference?
At Replacevehicle, we do not gouge you after a bankruptcy. Our goal is to provide you with reliable, affordable transportation at a fair rate of interest. As of June 1st, 2018: No prepayment penalty Average Interest Rate: 12.99 percent Loan Terms: Up to 72 months Maximum Loan Amount: Up to $35,000 Visit Replacevehicle today to learn more about how we can help you into a car after bankruptcy.
Get approved for ZERO DOWN, just fax (949)315-3410 or email current paycheck stub.
Here are some common questions about ReplaceVehicle
Yes, all our loans have No prepayment penalties. You only pay interest for as long as you have the loan.
By law all your debts were listed in your bankruptcy petition, whether or not you decide to keep your car is another issue.
No, you are basically renting your car, the lender can’t call you, or send you statements anymore because it was included in your bankruptcy. This does not report to the credit bureaus anymore.
You have 60 days after your discharge to back out of the agreement, this allows you to correct a potentially bad decision.
The only thing that is important, is the amount of money you owe on your vehicle, compared to what it is worth in today’s market. You don’t want to carry excess debt through your bankruptcy.
Yes, actually it is better to get both loans at the same time, instead of getting one and then trying to get a second later on.
Because you will not have to bury any negative equity in your new purchase, the enemy is not the interest rate, but the amount of money you are financing.
In most cases, you can obtain a new auto loan 1 week after filing.