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My Chapter 7 Solution

Are you in a current or discharged Chapter 7 bankruptcy plan? Upside-down on your car loan and owe more than it is worth?

If you received one of our flyers, then you have been chosen to participate in our program as we help you and many others achieve what most deem impossible. This invitation means you have been pre-qualified for your Chapter 7 solution and only have a few easy steps ahead to officially start your new beginning.

We offer new and improved bankruptcy auto loan financing solutions to anyone feeling as if they’ve hit a brick wall with their current vehicle situation.
However, an invitation is not needed to do business with us!

Anyone with a current or discharged Chapter 7 bankruptcy is

How can we help?

Most people rely on their vehicle for transportation. Continuing to make payments on that vehicle while in a Chapter 7 Bankruptcy situation can be difficult, and if the payments are no longer something you can afford, they will end up hurting you in the long run. Making those payments does not improve your credit. Furthermore, the bank could end up taking the vehicle anyway. It seems like a tunnel without a way out.

My Chapter 7 Solution strives to make these situations easy.

  • We will take your current vehicle situation off your hands. Reaffirming your vehicle would be a waste of time and money. It means the original creditor is not required to report any positive pay history and could seize your vehicle.
  • This program will help you rebuild credit the day you file for a Chapter 7. It gives you an opportunity to forgive your current situation AND rebuild your credit better than before.

How does it work?

We partner with a group of national lenders who specialize in working with these types of situations. No credit? No problem! We can rebuild that for you starting day one. With little to no money down and payments lower than you’d ever believe possible, we can set you up with an affordable, dependable, and likely newer vehicle — a fresh start at rebuilding your credit.

Since 1977, we have gained the trust and relationship with many attorneys such as Matthew Crow, Kimberly Sheek, and Jeffrey Dalrymple; who like yourself, greatly benefit from connecting with our company. You came to the right place for help.

Even if your bankruptcy is open and has not been discharged, our program can help you.

We offer a free consultation to evaluate your current vehicle situation, all you have to do is reach out! Don’t wait, contact us and get started on your new beginning today.

Choose from over Cars, Trucks & SUVs
  • 5 star review  What a great company to work with, was picked up from my hotel . traveled from VA, To Charlotte to take advantage of there BK program. Rene Acuna and Tony Mejia are great to work with.

    thumb Steven Lockhart
    3/19/2020
  • 5 star review  I have had a rough bumpy road last few years with just normal life stuff and in trying to better my life and well being I filed bankruptcy and with all that being said my credit was shot but I received a letter in the mail from my chapter 7 solutions and I looked into them read about them and filed out a application and within the next day Tony M. Had contacted me and I live 4 hours away from the dealership but between him and Mr. Rene Acuna they found a truck suitable for my needs got me approved and I went to the dealership afterwards and picked up my new truck I will highly advise that if your Looking for a new vehicle with past or current credit hard times or just looking for a car in general to go check out these guys and I promise you that you won’t regret your visit there. Five stars for sure great people and a great atmosphere to be in for the process of car buying.

    thumb zack langley
    3/04/2020
  • 5 star review  Was doing online research on Bankruptcy companies that offer auto loans , came across My Chapter 7 Solution, read the Google Reviews. I liked what i read , so i called . Spoke to Rene A. and Mr. Tony M. With in a few hours we had selected the perfect vehicle for me. There inventory is vast and what a smooth process . Mr. Rene knows his stuff. Please go see them . YOU wont regret it.

    thumb Eric Hancock
    2/13/2020
  • 5 star review  With my poor credit history over the past few years, I was reluctant to apply for a car. The thought of being rejected by creditors over and over was depressing and to be honest, I didn’t need the heartache. But the day came that I had no other choice but to make that call. After traveling 3 hours to Raleigh thinking that I was going to be heading home with a car, the finance guy came out and reaffirmed my worst nightmare. Even though I had half what the car cost as a down payment, the banks still rejected me. I was humiliated. I called my BR attorney and he gave me Rene’s phone number. Spoke with him the following day and within a matter of days, he found me the car I was looking for and had it shipped to his location. He got me approved and now I’m riding with my head held high and more confidence than ever before. It’s nice knowing that someone out there truly does have your best interest at heart. Thank you Rene Acuna. 👊👊

    thumb Matthew Chavis
    12/25/2019
  • 5 star review  Rene and Tony have helped my family so much.! They helped us when we really needed it and made us feel like we mattered.! They were very nice, attentive, and knowledgeable in everything.! I highly recommend them.! They went out of their way to make us enjoy this experience.! My 1st time buying a car has been wonderful thanks to them.! I’d definitely recommend them to ANYONE.!

    thumb Sandra Hernandez
    12/05/2019
  • 5 star review  What can I say. I had the BEST buying experience and that is not an easy fete LOL! For 1) my mom is a salesperson and sold me the vehicle I intended to surrender and for 2) I tend to be picky! I was referred to Rene by my attorney, Kimberly Sheek (GREAT ATTORNEY). She is professional, efficient and thorough. Clearly, she only works with people of the same caliber. I was reluctant to go to Rene as I didn't think he would be able to get me into a comparable or dare I say better vehicle than my Nissan Pathfinder. THAT WAS FAR FROM THE TRUTH. Rene and my buddy Tony (salesperson) got me into a newer vehicle, with a better interest rate and shall I say my Buick Enclave is an UPGRADE with many bells and whistles!!! The best part of it all is that Rene understood my bk situation and managed to keep my payments down without me having to sacrifice style and comfort for my family and I. He found a sweet spot between what I WANTED and what I NEEDED! I want to end by saying how transparent and responsive both Rene and Tony were. This is not the ideal situation to purchase a vehicle however, they took the stigma out of the process. I HIGHLY RECOMMEND working with this team!

    thumb Tanisha Dacosta
    12/04/2019
  • 5 star review  This company is 100% legit. They made buying my car flawless. Rena and Tony were awesome. If you're in Bankruptcy don't hesitate to go see these guys.

    thumb Mel Maxx
    11/25/2019
  • 5 star review  I was hesitant to go. I was referred by my lawyer, Kimberly Sheek (great attorney!) in the Summer but felt it wouldn't make a difference. It took me 2 months before I called. So, I finally decided to go (and took my son with me for support). So glad that I went. Tony met me (I was two hours late and rescheduled) and he was very pleasant. He introduced me to Mr Rene who showed me vehicles that felt were in my price range. Don't you know he was spot on? The first car that was shown to me was the one I ultimately selected with 20K miles! Like new! He was so professional and caring. I was also appreciative of him taking us personally into his office to do the transactions. He handles ALL business types so please go to him. Tell him I referred you from Google!

    thumb S Robinson
    9/29/2019
Contact US

For any inquiries please email

980-289-7770

Note* My Chapter 7 Solution is not intended to be a source of legal advice. You should not rely on the information provided herein as legal advice for any purpose.  You should consult an attorney for individual advice concerning your own situation. All approvals are subject to lender final approval guidelines. OAC standard 50% DTI Ratio may apply. 20% PTI Ratio may apply.

To remove your name from this list for future mailings send postcard or letter with complete name and address requesting your name be removed for future promotions.  Promotional materials are a matter of public information.  This solicitation is not responsible for any typographical errors and will not be held liable.  Vehicles are sold as a part of this program and should not be represented as new.  All rates and terms are subject to lender guidelines and approval..

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