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Old 12-27-2012, 03:42 PM  
Craash Craash is offline
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My wife has a recently divorced friend who is a mess. She just had her car repo'ed today while at work.

Anyway, partly to keep my wife from becoming her taxi driver I'm putting feelers out for anyone that might know/own/work at a car place that caters to those with worse than bad credit and is less buzzardly than normal.

I'm of the opinion she hasn't hit bottom yet and won't turn things around until she does but she's deep into Lindsay Mode denial. The tough thing is she has two kids and the dad is threating to take her back to court to try and take away her custoday . . . . so my wife is struggling with it.

Any leads?


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Old 12-28-2012, 10:37 AM   #91
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Originally Posted by Dayze View Post
probably a last resort.

but if she absolutely must/can, stay the F away from the dealership there off of Bannister road...can't remember the name.

I've read VERY bad reviews of that place.
Neil's Finance Plaza. This is an older article, but I hear nothing has changed.

Repo Men

by Allie Johnson

Jimmie Brockman says Neil's Finance Plaza took him for a ride.

Jimmie Brockman was working as a warehouse supervisor in Kansas City, Kansas, when his fifteen-year-old son called to say he'd found a car he wanted to buy.

The teenager said he had seen an ad in the Thrifty Nickel for Neil's Finance Plaza that promised "Just $59 down and you drive away." But the Brockmans' car purchase in February 2000 wasn't nearly that easy.

Brockman expects to face the dealership in court for a second time this August.

When Brockman and his son were car shopping, he thought of Neil's Finance Plaza as just another car dealership -- despite the fact that its advertising clearly targets consumers in dire financial situations. In late-night TV commercials, folks who appear to have led hard lives praise Neil's for putting them in cars when no one else would. An ad in the Yellow Pages proclaims "WE FINANCE" and promises incredibly low down payments. The dealership also sells Christianity -- on the car lot, salespeople comfort distressed customers by telling them God will provide for them. The bottom of the Yellow Pages ad reads, "We Thank The Lord Jesus For Allowing Our Business To Prosper: To Him Be The Glory!"

Brockman's son, Marcus, was weeks away from his birthday and had lined up an after-school job at a Chuck E. Cheese pizza parlor. He would make just enough to pay for his own wheels.

After work, Brockman drove to the dealership on Bannister Road. There, Marcus showed him a 1993 Pontiac Grand Am with more than 100,000 miles on it.

Brockman could have been a more wary shopper. But he says he was exhausted from all the overtime at his job. After talking payments with a sales manager, he said OK. He figured his son could afford $120 every two weeks.

A Neil's Finance Plaza employee ushered Brockman into an office, produced reams of paperwork and pressured him to sign quickly. "She told me I could read it another time, later," Brockman would later testify in court. He closed the deal, then stuck the paperwork in the glove box.

When he did read the documents, Brockman was stunned. He knew that the car's Kelley Blue Book value was about $4,500, but the documents showed a purchase price of double that -- $9,395. With his $100 down payment and a 19 percent interest rate, Brockman was going to end up paying $13,475 for a car that would probably break down in a couple of years.

Since the dealership hadn't signed over the title to him, Brockman took the car back, offering to pay fair market price. The dealership refused, so he signed a release, left the car and figured that would be the end of his interaction with Neil's.

A few months later, Brockman was at work when a man served him with legal papers and said, "You're being sued by Regency Financial Corporation" -- the financing arm of Neil's.

The breach-of-contract lawsuit claimed that Brockman owed Regency $4,712. The company had been able to "sell" the car back to Neil's, but, according to its lawsuit, "The proceeds of the sale were insufficient." Regency threatened to damage Brockman's credit and garnish his wages.

Jackson County Court records show that Neil's has filed more than 2,000 such lawsuits in the past five years.

http://www.pitch.com/kansascity/repo...nt?oid=2169505
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Old 12-28-2012, 10:47 AM   #92
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Just something with a bucket that will handle a bush hog. BIL called yesterday and found a JD 750 for $3600 that has Bob Dole's attention. Bob Dole is going to defer to said BIL's trained JD mechanic expertise and 25+ years of farming experience to select the correct tool. Bob Dole doesn't know shit about tractors.
My uncle just restored some old 50s or 60s tractor back to factory.

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Old 12-28-2012, 10:53 AM   #93
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yep; that's the place I was thinking of. I had a co-worker years back go through them. very similar situation. she was recently divorced, out on her own etc; Divorce took its toll financially etc.

She ended up with an older Cavalier; ended up looking at the ammortization schedule and showing that she will have paid nearly double. 30 days later, the transmission was slipping, then ultimately failed. she was stuck with payments, on a car she couldn't afford to fix.

luckily, someone we worked with had an older car that used to be their sons, and they basically donated it to her. but she was still making payments for, I want to say, like 7 years.
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Old 12-28-2012, 10:55 AM   #94
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No car yet. I picked her up from work and took her home last night. As far as buying a $1500 car, she says she has $200 in her checking so thats not an option. I know the BHPH car lots are a terrible option (generally) but it might be the only option this woman has left.
Dude you are not helping her in the long term.




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Old 12-28-2012, 10:56 AM   #95
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Old 12-28-2012, 11:42 AM   #96
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Dude you are not helping her in the long term.





The only thing I'm trying to do is keep her from turning my wife into a taxi with her sob story.
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Old 12-28-2012, 12:24 PM   #97
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I respect your opinion and am not trying to argue with you... But...

What do car sales have to do with this woman being a lazy miserable pos and a drag on society and her kids? Or did you miss my point?
Nothing...I was commenting on her lack of vehicle. as far as her being a "a lazy miserable pos and a drag on society and her kids" ....folks get themselves in binds...sometimes the solution is NOT that easy to find....I'd be damned if I could pass judgement on her.........or just about anyone..... But YOU, seem quick to do so.
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Old 12-28-2012, 12:40 PM   #98
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$1500 for a car these days, is almost wasted money.

You can get lucky and find a real gem once in a while, but in most instances they're not even worth driving, just a perpetual drag on the pocketbook.

Its usually better to pony up and get something as new and nice as possible.
I agree with Jason and also disagree with this statement.
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Old 12-28-2012, 12:48 PM   #99
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No car yet. I picked her up from work and took her home last night. As far as buying a $1500 car, she says she has $200 in her checking so thats not an option. I know the BHPH car lots are a terrible option (generally) but it might be the only option this woman has left.
My father and I have bought 5 cars over the years as police tow auctions. Granted, 4 out of the 5 needed a bunch of work, which we were able and happy to do ourselves. Though the first car I ever owned, we bought at a police auction when I was 16 in 2006. 1989 Ford Crown Victoria. Bought it for $225, and it ran like a champ. That big ass boat was completely worthless in the snow, fishtailed everywhere in the rain, had a 5.0 V8 that got like 14mpg, but the interior was super clean, and most importantly, it ran. Good memories with that car
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Old 12-28-2012, 12:57 PM   #100
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Sounds like giving up the kids is a good idea, especially for them.
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Old 12-28-2012, 01:01 PM   #101
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My father and I have bought 5 cars over the years as police tow auctions. Granted, 4 out of the 5 needed a bunch of work, which we were able and happy to do ourselves. Though the first car I ever owned, we bought at a police auction when I was 16 in 2006. 1989 Ford Crown Victoria. Bought it for $225, and it ran like a champ. That big ass boat was completely worthless in the snow, fishtailed everywhere in the rain, had a 5.0 V8 that got like 14mpg, but the interior was super clean, and most importantly, it ran. Good memories with that car
Good luck with that now. I should preface that by saying that I am talking about my area. I don't care how well you know cars, in my area you would be lucky to find anything that was driveable on the freeway for under $1500. I have bought over 30 cars in the last 3 years from individuals, craigslist, referrals, customers, auctions, and I have only lucked into 2 cars that I got cheap and ended up being able to flip them fast with a minimal investment. If it is really that easy for you to find cheap well running cars you would be a fool not to take advantage of that and flip as many as you can IMO.
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Old 12-28-2012, 01:06 PM   #102
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Nothing...I was commenting on her lack of vehicle. as far as her being a "a lazy miserable pos and a drag on society and her kids" ....folks get themselves in binds...sometimes the solution is NOT that easy to find....I'd be damned if I could pass judgement on her.........or just about anyone..... But YOU, seem quick to do so.
I was also commenting on her lack of a vehicle, that I don't understand how this happened. She apparently had a job, so why just let her car get repoed like that? You don't just suddenly have a bill like that and have your car dragged away in a single day. While she had the car she should have done everything in her power to raise the funds to keep the car. Instead, she knows she can rely on the OPs wife, and that's inexcusable. If she can't get her head out of her ass she needs to let someone else care for the children. Kids don't need to sit there and watch their mom cry while the car is being towed away. They need to have a mom who sets an example by chasing afterthe damn car and keeping things in order. There's too many damn resources out there to live like that.
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Old 12-28-2012, 01:20 PM   #103
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Good luck with that now. I should preface that by saying that I am talking about my area. I don't care how well you know cars, in my area you would be lucky to find anything that was driveable on the freeway for under $1500. I have bought over 30 cars in the last 3 years from individuals, craigslist, referrals, customers, auctions, and I have only lucked into 2 cars that I got cheap and ended up being able to flip them fast with a minimal investment. If it is really that easy for you to find cheap well running cars you would be a fool not to take advantage of that and flip as many as you can IMO.
The Crown Vic was really the exception. We bought it for $225, I drove it for a year, ended up selling it for $1200. We bought a 94 Honda for $500 put a new transmission in it, and sold it for $1700. A 94 Talon we bought for $125 which needed a motor and transmission. The AWD and turbo were both good, so we dumped a grand into it and I drove it for 2 years beforre selling it for $2200.

I have always had good luck buying cars cheap and then turning around and selling them for profit. But no way could I do it without my father, not to mention it takes a lot of time to get some of these cars back in running order. Once again I go back to saying the Crown Vic was really the only exception in terms of minimal time and investment.
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Old 12-28-2012, 01:27 PM   #104
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I agree with Jason and also disagree with this statement.
I should've clarified, i meant when buying from a dealer.

Yeah, if your careful you can get a decent little ride for 1500.
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Old 12-28-2012, 01:30 PM   #105
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The Crown Vic was really the exception. We bought it for $225, I drove it for a year, ended up selling it for $1200. We bought a 94 Honda for $500 put a new transmission in it, and sold it for $1700. A 94 Talon we bought for $125 which needed a motor and transmission. The AWD and turbo were both good, so we dumped a grand into it and I drove it for 2 years beforre selling it for $2200.

I have always had good luck buying cars cheap and then turning around and selling them for profit. But no way could I do it without my father, not to mention it takes a lot of time to get some of these cars back in running order. Once again I go back to saying the Crown Vic was really the only exception in terms of minimal time and investment.

"They be like Tech N9ne he crazy huh", sorry I had to say that, everytime I see your picture I think of that song.
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