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.


Jennifer from Puyallup, WA – 2011 Ford Fusion

auto loan bankruptcy jennifer 2011 ford fusion puyallup

Jennifer with her 2011 Ford Fusion

I was very anxious about financing a vehicle after my bankruptcy, but the entire process has been very easy and low pressure. It’s important to me to begin rebuilding my credit and I was happy to see my interest rate was better than I expected.

I would tell others to definitely go through this pre-approval process! Have an idea of what you can afford and do a little research before hand and there is little to no stress!

Jill and Troy from Olympia, WA

auto loan for bad credit 2007 honda ridgeline jill olympia

Jill with her 2007 Honda Ridgeline

From the first phone call to the signing of the papers, Robert was knowledgeable, kind, efficient and all around a good guy! He got us into a car with ease and answered all of our questions quickly.

We felt like we were treated equally compared to people with tip top credit. Do not be so ashamed of your credit to not give these people a call and see what they can do for you!

Nikeya from Olympia

Nikeya with her 2010 Toyota Carolla

Nikeya with her 2010 Toyota Carolla

Like with any big purchasing experience, it can be very stressful. But with the reassurance Zach provided and me weighing out the details, I’m very happy with the decision.

I would tell others to make sure you can afford the car, don’t get yourself into something you know you cannot handle. Be realistic.

Shy-Anne from Olympia

Auto loan for bad credit olympia washington Shy-Anne 2010 Ford Fusion

Shy-Anne with her 2010 Ford Fusion

Brian was very helpful in showing me a handful of cars that would work for my situation (Chapter 13 Bankruptcy) with little money down. They went above and beyond to make the numbers work. They spent several hours with me, but never got impatient with the time it took to find the right vehicle. I have only been in my bankruptcy for 3 months and was able to purchase an almost brand new car at a decent interest rate.

I would tell others to just come in, be honest about your situation and let them know what you can afford. They will find a program to fit.