Hope for Car Owners - SOLUTIONS

• Although we list numerous possible outcomes/resolutions, the list should be used only as a “barometer” for identifying your current situation as well as providing you with a better idea of what your final outcome may be once you decide to enroll.

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  Although many situations are similar, there are no two exactly the same and it is for that reason that we could not possibly list every outcome.  Additionally, although we perform our services with diligence and tenacity, we are not the lender and are therefore unable to claim what they will or will not do prior to initiating negotiations.

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  Unlike your lender, we listen to your unique situation and we create an analysis and strategy based upon that situation.  Your lender is bound by a predetermined set of guidelines and they will attempt to fit you within those guidelines without taking into account the human aspect of your particular situation.  It is for that reason that we are able to achieve so many different, successful results. 

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  Please take the time to read about some of our programs (as well as some of the successful results/testimonials of previous clients).  Once enrolled, you are instantaneously enrolled into EACH one of our programs and your analysis is done and strategy created based upon the result you hope to achieve.   Below are just some of the programs we have created and some of the testimonials of clients who have achieved successful results. 

  Roll Under Financing™ - Through our innovative “Roll Under” program, upon successful facilitation of an agreement by the lender to accept a short payoff on the vehicle in question, we will refer our clients, at no additional charge, to a lender who will review the specific details of the situation and provide financing (pending credit & income qualification/approval as well as client agreement to terms) based upon the agreed upon payoff. This opportunity provides the lender with the opportunity to reduce the financial impact which is inherent when a vehicle is delinquent/repossessed as well as providing the client with the opportunity to reduce their monthly payment obligation.

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  Payment Waiver – Whether you have never been late, have already missed payments, or are on the verge of repossession, enrollment in our program will most assuredly reduce the financial strain you are experiencing as we have successfully negotiated payment waivers during the negotiation period for over 97% of our enrolled clients. 
  Whether you are looking to temporarily buy time to get back on your feet or are in need of a permanent reduction, our payment waiver negotiations are just the beginning of the benefits of enrollment.

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  Consumer Bailout and Financial Recovery Program – Using our patented Vehicle Value Analysis™ and the analysis of the client’s current financial situation, we will formulate a strategy which we will utilize to negotiate with your lender in order to facilitate the most equitable resolution possible.  Should all parties agree, our Consumer Bailout program will, in effect, “reschedule” the terms of your payments which will, in turn, reduce your monthly payments and/or principal balance depending on the strategy utilized.

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  Not surprisingly due to the lenders successful efforts of saddling consumers with debt, almost every single vehicle on the road today that has an outstanding loan against it, is “upside down” with regards to the value versus the balance owed.   The greatest financial fraud played on consumers by auto makers and financial institutions is “Roll Over Financing” in which the lender will conveniently allow you to roll the negative equity of an old vehicle on to your new vehicle loan.

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  Although they know you can never get out from under this mounting debt, the lenders utilize this unfair lending practice (although they will present it as if they are “helping” you) to ensure that you will NEVER get out from under accumulating unwise debt.    Due to the fact that the value of a new vehicle, on average, depreciates over 30% the very moment you drive it off the lot (before adding “rolled over” negative equity) every consumer has the right to demand and expect assistance if necessary.

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  Your lender has received their own Bailout form the federal government which in turn is passed onto you through inflation and increased taxes and it is our position that you should be afforded the same benefit.

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  Cash for Car Keys™ - In certain extreme situations, there simply is no feasible arrangement that can be reached between the client and the lender regardless of the efforts of our negotiations and/or the offer extended.  The choice is ultimately up to the lender to offer and the client to accept that deal. 

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  In these extreme cases, considering the inherent probability of negative and/or stressful feelings, Hope for Car Owners will attempt to facilitate, upon authorization of the client, the voluntary forfeiture of the vehicle in question in order to keep the two parties from having to deal directly with one another.  This alternative offers the client the ability to avoid the potential of a volatile and embarrassing repossession and provides the lender with a cost effective alternative to a potentially lengthy and costly repossession process. 

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  Through our Cash for Car Keys™ program, we will negotiate the expeditious return of the vehicle to the lender and we will provide a nominal fee to the client which he/she can utilize to obtain a new, more cost effective vehicle should he/she choose t do so.

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  Regardless of the method by which the result is obtained, we are committed to providing our clients with the highest level of customer service possible as well as facilitating the most expeditious and suitable result in an effort to alleviate and reduce the negative financial effect to all parties involved.

  The sooner we initiate communications and provide the analysis to the lender, we can begin negotiations and the lender can make their decision based on the facts and provide an offer.  We will present the client wait each and every offer from the lender no matter how minimal as it is ultimately up to the client to decide what he/she constitutes as “fair”.