Auto Loan Modification

The Auto Loan Modification process of using our help.

• #1 - Auto Loan Loan Modification by Professionals: Engage us as your Agent to act on your behalf and negotiate the Auto / Vehicle Loan Modification.  If you choose to have our professional service team process your loan modification.  Then you will be contacted for additional information about your self, car loan, and financial hardship.  The paperwork will be prepared and submitted by our team to your lender.  Once submitted we will work closely with the lender to get you the best possible auto / vehicle loan modification on your behalf.

• Our Team has over 3 years real experience with auto loan loss mitigation services, and auto loan modifications.
• Due to our volume of auto loan modifications we work with many of the auto loan lenders on a daily basis.
• Experience, Professional Service, and Auto Loan Modification fee is priced on the success of the modification!

The Possible outcomes:

• Deferred Payments - 3 months no payments
• Lower Monthly Payments by reduced interest rate
• Lower Monthly Payments by forging part of the principal amount.
• Lower Monthly Payments by extending the term of the loan.
• Loan Restructure - late payments put on the back and reduced interest rate.
• Trade Up - a lender my offer to trade you into a newer vehicle at lower monthly payments.
• Equity Recapture - reduce the current loan amount to match the current value of the vehicle.
• Short Sale - permission to sell the car at an amount that is equal to what you owe.

We can even help people in some cases get vehicles back from repossession and reinstate the auto loan!

Services We Offer:

Communication Services -  We will communicate and relay any/all information you request on your behalf to your lender and subsequently relay any information provided by your lender which will allow you to make a decision without having to deal with collection agents or any other agents of your lender who may be making it difficult to make a decision.

Modification of Current Terms – This service includes communicating and negotiating with your lender on your behalf by utilizing the analysis and strategy created for your unique situation in order to reduce your monthly payment obligation and avoid repossession. Included within this service is the Roll Under Financing™ program designed by Us in order to reduce the negative equity in your vehicle (if applicable).

Negotiate Short Sale Authorization - If it is your desire to sell your vehicle and you are unable to do so because of the negative equity attached, We will create a recession era analysis using our Vehicle Valuation Analysis™ and will then communicate and negotiate with your lender on your behalf in order to obtain a Short Sale authorization which may provide you with the opportunity to sell your vehicle for its current market value despite the negative equity attached.

Cash for Car Keys - If you have made the decision that you no longer want to keep your vehicle and you would like to avoid the volatile and/or embarrassing process of having the “Repo Man” track you down to your home or your place of employment, We will attempt to negotiate and facilitate the “low impact” “voluntary” return of your vehicle. Upon approval, we will have one of our representatives meet with you (if you so choose) and we will then handle the forfeiture of the vehicle to your lender. We will also attempt to reach an agreement which will allow you to exchange the keys to your vehicle for a nominal payment.

Reinstate Repossessed Vehicle – This service is designed for those individuals who are currently in a repossessed status on their vehicle loan and wish to reinstate the loan in an attempt to keep the vehicle and continue making payments. We will analyze your situation (including your delinquent amount) and develop a communication/negotiation strategy in order to remove the vehicle from the repossession status and reinstate the loan payments. Individuals in a repossessed status should be aware that although we will attempt to negotiate the most financially feasible agreement to our client, the lender will require some sort of “good faith” payment in order to reinstate the loan. One of our main functions during this service is to minimize the “good faith” payment in order to alleviate the negative financial impact of reinstating the loan.

Reinstate Charged Off Loan - If your vehicle loan has already reached a “Charge Off” status and you would like to reinstate your loan, We will analyze and develop a comprehensive communication and negotiation strategy which we will implement on your behalf in order to allow you to reinstate the status of your vehicle loan and get you back on track towards rebuilding your credit while also being able to keep your vehicle.

* Each situation is unique and the outcomes may very among auto loans, lenders, and state in which you live.

Satisfaction Guarantee: - is simply you do not pay the modification fee, unless we get you a modification!

Retainer Fee

Only pay the Retainer fee, then pay the Loan Modification fee only after a successful auto loan modification!

To make it ever a better deal - you only pay the auto loan modification fee compared to the fee chart of how much we save you on the auto loan!

Retainer Fee (sometimes called engagement fee)

1. The Retainer fee is not refundable - this fee is used to transfer the client information to the processing dept, input the initial client information and pay for the initial setup in our systems, and finally review your case by the lawyers.  Any remaining amount of the Retainer Fee after resolution has been offered will be credited towards your "Final Resolution Fee"

The Loan Modification Fee \ Final Resolution Fee

2. You do not pay the The Loan Modification Fee \ Final Resolution Fee until after you get a successful auto loan modification!

- The Loan Modification Fee \ Final Resolution Fee in general is due 5 business days after a final resolution is given.

Total Savings to the vehicle owner:
(Due only after successful “Final Resolution” offer from lender)

Short Sale Approval
Upon successful negotiation of a Short Sale Authorization, the client agrees to compensate Us the equivalent of 10% of the total amount of principal balance reduced.

Repossessed/Charged Off Vehicle Reinstatement
Upon successful negotiation of reinstatement of a previously repossessed or charged off vehicle, the client agrees to compensate Us $699.