Near Disaster AVOIDED at Washington Auto Credit

Last Friday at about 11am, we got a phone call from a customer in Spokane named Brandy who had filed Chapter 7 Bankruptcy about three months before calling us. It usually takes about 90-days for a bankruptcy to discharge after the filing date, so we knew we were getting close to the bankruptcy discharge.

After going through our normal investigative questions, we had learned that Brandy had reaffirmed a car in her bankruptcy, but did not make the required payments of the reaffirmation, so the vehicle had just been repossessed.

Reaffirming a vehicle after bankruptcy means that the customer accepts legal responsibility for the loan after the bankruptcy and if you don’t pay, the lender can pursue you for losses…JUST LIKE THE BANKRUPTCY NEVER HAPPENED.

We instructed Brandy to call her attorney IMMEDIATELY and rescind the reaffirmation agreement that she had signed on the old vehicle.  Our fear was that Brandy’s attorney was not in the office, because many attorneys take Fridays off. Brandy hung up the phone with us, called her attorney.  Luckily, her attorney was at work on this Friday and was able to submit the recission minutes before the trustee’s office closed. Brandy was able to include the old vehicle in her bankruptcy.

Less than an hour later, her bankruptcy discharged.

If she had not been able to get the recission submitted before the discharge, or if her attorney had not been in the office until Monday, or if she had waited until Saturday to call Washington Auto Credit, Brandy would have been responsible for the vehicle loan that had ALREADY BEEN REPOSSESSED. Since she called Washington Auto Credit at the last possible minute, Brandy has no legal responsibility for the old loan, and she now has a new loan and a new, more reliable, vehicle to help her rebuild her credit.

One life changed.


Susan from Spokane, WA – 2012 Ford Focus

I had a very positive experience. They were the only place I went that treated me very well. I received a car close to the payments I wanted and a better interest rate than any other place had to offer. Bobbi was awesome. Thanks for treating me like a real person.

I would tell others to take their time and find a company/person who will treat you right and fair so you win in the end.

Check Our Reviews

Washington Auto Credit ReviewsLet’s face it, the internet has changed the way we do business. Decisions we make everyday are determined by the information we gather from our phone, tablet, or PC. The decisions people make based on that information determine the success or failure of businesses everywhere. Here at Washington Auto Credit, business is good. People seem to like us, and we stay very busy. Don’t believe me? Search for “Washington Auto Credit Reviews”. Look specifically at the sites with five or more reviews. To save time, you can just check out our pages on, Yahoo, or Google Plus. Here are some of the things you will read:

“…a must for anyone with less than perfect credit. Very happy with the service…”We went through the whole process easily and I drove my new car home the same day. Excellent experience…”Very friendly staff with amazing costumer service! I cant believe they were able to finance me for a car with my horrible credit. I highly recommend these guys for your next vehicle purchase …”The whole team went out of there way to make sure I was comfortable with my car payment. I’m extremely pleased I decided to make the 62 mile drive.”

At Washington Auto Credit, we specialize in helping people with credit challenges buy vehicles. We have awesome bankruptcy programs and a ton of inventory to choose from. In fact, we even offer Guaranteed Credit Approval for everyone with more than $800 provable monthly income. If you or someone you know could use our help, give me us a call at 888-300-3502 or apply for an auto loan at