· THIS IS A TRUE RE’ESTABLISH CREDIT PROGRAM
· IF YOU ARE SERIOUSLY INTERESTED IN REBUILDING YOUR CREDIT THEN PLEASE CONTINUE……..
· OBJECTIVE IS TO OBTAIN LOW INTEREST RATES
QUALIFICATIONS FOR BANKRUPTCY PROGRAM
CHAPTER 7
· WE HAVE PROGRAM BEFORE YOU ARE DISCHARGED
· WE CAN HELP RIGHT AFTER YOUR MEETING OF CREDITORS ( LENDER PREFERS THIS)
· WE CAN HELP AFTER DISCHARGED
· MUST HAVE A FULL TIME JOB (NO MORE THAN 2 DIFFERENT JOBS IN THE PAST 2 YEARS)
· MUST HAVE INCOME OF $2500.00 DOLLARS A MONTH GROSS FOR SINGLE APPLICANTS
· MUST HAVE INCOME OF $3000.00 DOLLARS A MONTH GROSS FOR JOINT APPLICANTS
· WE MUST KNOW IF YOU HAVE STUDENT LOANS
· WE MUST KNOW IF YOU HAVE ANY BACK TAXES
· WE MUST KNOW IF YOU HAVE ANY 401 K LOANS
· WE MUST KNOW IF YOU HAVE ANY CHILD SUPPORT GARNISHMENTS
· WE MUST KNOW IF YOU ARE RETURNING OR REAFIRMING ANY AUTOMOBILES
· MUST BE ON A LEASE AGREEMENT FOR RENT, IF NOT THE LENDER BUDGETS FOR $1000.00 DOLLARS RENT (CANNOT BE LATE FOR MORE THAN 1 TIME IN THE LAST 6 MONTHS, POSSIBLY CAN WORK AROUND THAT, BUT NEED TO KNOW!)
· EXCEPTIONS ARE DONE ON CASE BY CASE BASIS! EVERYONE IS AN INDIVIDUAL!
CHAPTER 13 PROGRAM
· PLAN MUST BE CONFIRMED IF JUST FILING
· MOST GUIDE LINES ARE THE SAME AS CHAPTER 7
· MUST HAVE COURT OR JUDGES APPROVAL
· WE CAN GIVE YOU A PROPOSAL TO SEND TO COURT
· CANNOT GIVE INDIVIDUAL CAR BECAUSE CAR CANNOT BE HELD WHILE WAITING FOR COURT APPROVAL
WHEN APPLYING FOR CREDIT
· ALL INFORMATION MUST BE PROVABLE! SO MAKE SURE ALL OF YOUR INFORMATION IS ACCURATE
· ANY SPECIAL CIRCUMSTANCES, PLEASE PUT IN THE COMMENT SECTION
· ALSO WRITE IN THE COMMENT SECTION WHAT YOU ARE TRYING TO ACCOMPLISH (EXAMPLE: IF YOU HAVE TRADE, MONEY DOWN, ETC)
· IN THE INCOME SECTION PUT YOUR YEAR TO DATE GROSS ALONG WITH PAYPERIOD ENDING DATE FOR THAT CHECK IN THE COMMENT SECTION
· MUST HAVE A GOOD CONTACT NUMBER TO EXPIDITE
· WE WILL CONTACT YOU WITHIN 24 HOURS
PROCEDURE
· WE WILL CONTACT YOU TO MAKE AN APPOINTMENT SO THAT WE MAY BETTER SERVE YOU
· WHEN YOU COME IN WE WILL GO OVER INTEREST RATES, AND VEHICLES THAT FIT INTO THE PROGRAM GUIDELINES
· WE TRY TO PRESENT YOU WITH LATE MODEL, LOW MILAGE, IN FACTORY WARRENTY VEHICLES,YOU WILL KNOW THE PAYMENT BEFORE YOU DRIVE THE VEHICLE ( WHY NOT? WHY DRIVE A VEHICLE THAT YOU CAN’T AFFORD?)
SUMMARY
MY NAME IS JIMMY KAVADAS AND MY ASSISTANT IS NICKY ROBERTSON. I HAVE BEEN IN THE AUTO INDUSTRY FOR 35 YEARS. I HAVE BEEN BANKRUPT. I KNOW THE FEELING OF BANKRUPTCY AND NO ONE WANTS TO GO BACK THERE. I KNOW THE PROCEDURE IN GETTING YOUR CREDIT BACK JUST LIKE YOUR EVERYDAY JOB HAS A PROCEDURE TO COME OUT PERFECT EVERY DAY. LET ME ASK YOU A QUESTION; IF I BORROW A HUNDRED DOLLARS FROM YOU AND DON’T PAY YOU BACK ON THE DUE DATE, WOULD YOU LOAN ME ANOTHER HUNDRED DOLLARS? NOW IF I WERE SICK AND CALLED YOU AND PAID YOU WHEN I GOT BACK ON MY FEET, I FEEL THAT IS CREDIT WORTHYNESS. THIS IS JUST ONE EXAMPLE. THERES MORE TO IT I CAN’T EXPLAIN OVER THE INTERNET. PLEASE FILL OUT YOUR APPLICATION. THANKS SO MUCH