My name is Jeff Cohen and I've been working with clients that have filed bankruptcy for over 18 years now. Most of my clients come directly from bankruptcy attorneys who are trying to point their clients in the right direction in regards to improving their current vehicle situation. My clients also come from referrals, and direct mail sent to new filers. I send one letter and that's it. Most dealers will be sending the same client 3 to 4 letters over a 90 day period.

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.

We first reach out to our lenders and get a firm commitment and disclose ALL of the numbers upfront. Once we know what specific vehicle you want we locate the exact vehicle and do all of the negotiating with the dealership. We only deal with franchised New and Used car dealerships, not used car lots or private parties. All vehicles are either brand new or are one owner, clean carfax, certified used vehicles. No fees are paid to Replacevehicle. Selling dealer pays Replacevehicle when deal funds. Because I understand the difficulties involved with coming up with a down payment, especially after having to pay your attorney fees. I try to offer a ZERO down option to all of our clients.