Car Loans & Bankruptcy

For people considering bankruptcy, one of the biggest fears is:

“What will I do about a car?”

You likely believe that once you declare bankruptcy, you will have a hard time qualifying for an automobile loan. So, what are your options?

For most people, public transportation isn’t a viable option. They need a car, and they need a car immediately.

Here's the great news - You can actually have the best of both worlds:

  • Surrender your automobile in your Chapter 7 bankruptcy, and
  • Drive off the lot with a new automobile

And you may be able to do this on the very same day that you file your Chapter 7 bankruptcy.

About the Book

Everything You Need to Know About Buying A Car During and After Bankruptcy

This book provides you with a strategic approach toward building your credit so that just 12 to 24 months after receiving your discharge from your Chapter 7 bankruptcy, you may have a 720 credit score, refinance your automobile loan for a better rate, or trade-in your car and upgrade to a nicer car with lower payments.

Customers come to David Roberts and Automotive Fresh Start Center because he and his team work exclusively with their customers' bankruptcy attorneys to help them reestablish their credit for a new automobile loan that reports to all three credit-reporting agencies before their bankruptcy is discharged.

Car Loans & Bankruptcy


Chapter 1


A True Fresh Start

Chapter 1

Bankruptcy & Credit

Three Myths

Chapter 3

Your New Car

Things You Should Know


Law Office of E. R. Mousa, P.A.

A Jacksonville Attorney You Can Trust

6550 St. Augustine Road, Suite 202
Jacksonville, Florida 32217

(904) 296-7704 – Main
(904) 296-7706 – Fax

The Law Office of E. R. Mousa P.A. provides comprehensive legal services in the areas of bankruptcy, debt defense and credit rebuilding. Since 1985, we have been helping people in the Jacksonville and surrounding counties solve the legal problems facing you each day.

Whether you’re looking to file Chapter 7 or Chapter 13 bankruptcy, or have questions regarding uncontrollable debt, we’re here to help.

We Make It Easy to Understand Your Rights

Our approach is simple. We listen to your concerns, explain your options, and after you have a clear and detailed understanding of your rights and options, we devise a plan of action to best achieve your goal of solving your legal issue.

Our goal and commitment is to provide fast and effective solutions that restore your peace of mind.

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About the Author

David Roberts

David Roberts

Founder & COO - Automotive Fresh Start Center

David Roberts started Automotive Fresh Start Center after a lengthy career in the auto industry in all aspects from finance to general manager. From this experience, he realized the customers who needed vehicles the most were unable to obtain them. Customers who had declared or filed bankruptcy were not being given a true “fresh start.” Instead, they had few options and received bad rates and poor terms while they worked through a stressful and vulnerable time in their lives.

In an effort to help those in bankruptcy, David started developing a program that would not only put them in automobiles, but would also help them rebuild their credit. David worked with a team of attorneys, auto lenders, and professional finance advisors to develop a success-driven program that allowed customers to secure terms at decent rates, begin improving their credit scores, and paving the road to financial freedom.

In 2011, he opened the Automotive Fresh Start Center where he is proud to offer a true “fresh start” to people in the middle of bankruptcy, or who have had their bankruptcies confirmed or discharged.

Today, Automotive Fresh Start Center continues to grow. It has expanded its attorney network to seven states and continues to help bankruptcy customers find the automobiles they deserve.

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