A New Car Owner
Well I lasted one week being debt free. 
I had always attended to surrender my van but I was kinda hoping to do it on my schedule, well the OC had other ideas. I received a VM from the OC at 11:00 am Wednesday went and ran out to get a very yummy Shamrock Shake and was back at work at 12:30 – when I left at 5:00 to go home the car was gone.
After getting the ex to pick up the girls, and my brother to drive me home (either know I filed so I had to tell them the van wouldn’t start and I had it towed) once I got home I have a few adult beverages pondering my fate I applied for a Cap One Loan – declined, not surprising I BK them, I then did an on-line app at a local Chevy dealer got a email that said someone will get back to me. Went to bed, thankfully I was able to work from home on Thursday, about 10:00 I got a call from the local dealer to talk about my app. She was very nice, asked for verification of income and my discharge papers. She called backed about 2:00 asking if the van was an open account, I said no it was IIB and it shows that in discharge papers. 3:30 she called back, asking what color I would like my new 2011 Chevy Cruze.
And I still got the customer service of an A+ credit customer, I need to pick up my girls from latchkey by 6:30, the dealer sent the shuttle to my house, and gave me a loaner car to pick them up while they prep my car for delivery. By 7:30 I was signing my loan papers and we Cruzed out of there by 8:00pm.
I was approved by AmeriCredit – a division of GMAC, I used my supplier discount and GMAC sponsored exclusive offer of a 1,000.00 toward a new purchase or lease of a 2011GM vehicle. I was asked to put down 1,000 cash and I walked out with a brand new car, something I couldn’t have done 6 months ago. Oh BTW I did put my reports on Wednesday night before I applied and the discharge was listed - so within a week of the discharge date my reports were updated. Makes me wonder if the courts add them to the electronic transcript of discharge papers.
So the break down is:
AmeriCredit – a division of GMAC
Rate: 10.49%
60 Months
1,000 cash down after suppler discount & incentives
19K – the MSRP was 23K
2011 Chevy Cruze
What really makes me feel good is the customer service, I was not treated like a special finance customer and the fact they went the extra mile to make sure I could pick up my girls on time and giving me a choice of colors. Now if getting a house was that easy.
I had always attended to surrender my van but I was kinda hoping to do it on my schedule, well the OC had other ideas. I received a VM from the OC at 11:00 am Wednesday went and ran out to get a very yummy Shamrock Shake and was back at work at 12:30 – when I left at 5:00 to go home the car was gone.
After getting the ex to pick up the girls, and my brother to drive me home (either know I filed so I had to tell them the van wouldn’t start and I had it towed) once I got home I have a few adult beverages pondering my fate I applied for a Cap One Loan – declined, not surprising I BK them, I then did an on-line app at a local Chevy dealer got a email that said someone will get back to me. Went to bed, thankfully I was able to work from home on Thursday, about 10:00 I got a call from the local dealer to talk about my app. She was very nice, asked for verification of income and my discharge papers. She called backed about 2:00 asking if the van was an open account, I said no it was IIB and it shows that in discharge papers. 3:30 she called back, asking what color I would like my new 2011 Chevy Cruze.
And I still got the customer service of an A+ credit customer, I need to pick up my girls from latchkey by 6:30, the dealer sent the shuttle to my house, and gave me a loaner car to pick them up while they prep my car for delivery. By 7:30 I was signing my loan papers and we Cruzed out of there by 8:00pm.
I was approved by AmeriCredit – a division of GMAC, I used my supplier discount and GMAC sponsored exclusive offer of a 1,000.00 toward a new purchase or lease of a 2011GM vehicle. I was asked to put down 1,000 cash and I walked out with a brand new car, something I couldn’t have done 6 months ago. Oh BTW I did put my reports on Wednesday night before I applied and the discharge was listed - so within a week of the discharge date my reports were updated. Makes me wonder if the courts add them to the electronic transcript of discharge papers.
So the break down is:
AmeriCredit – a division of GMAC
Rate: 10.49%
60 Months
1,000 cash down after suppler discount & incentives
19K – the MSRP was 23K
2011 Chevy Cruze
What really makes me feel good is the customer service, I was not treated like a special finance customer and the fact they went the extra mile to make sure I could pick up my girls on time and giving me a choice of colors. Now if getting a house was that easy.
341 Meeting 12-16-2010 
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