Please give my readers a history of Auto Mart. How long has your car dealership been in business?

Auto Mart was founded in 2012. We opened Auto Mart after 40+ years of combined experience in the new car industry. We noticed a large gap existed in the ability to sell customers with deep second chance credit.

Does your dealership primarily sell domestic or foreign used cars? Or would you say it’s a mix of both?

We sell a pretty equal mixture of domestic and foreign used vehicles.

If a person has just declared bankruptcy and they want to buy a vehicle, what do you suggest they do?

If your bankruptcy is cleared, that day you have quite a few options. If you just declared bankruptcy it makes things more difficult. There are a small handful of second chance banks that will finance someone and a buy-here-pay-here lot willing to gamble could help you. If you declare chapter 13, you would need a letter approving the purchase from your trustee.

Should a consumer run their own credit report before they purchase a used car?

Yes, before any major purchase actually. Many times there are errors on your report that someone can fix. For example a car that you purchased and had to give back that is still reporting, a repo that is still reporting open or a tax lien that is delinquent that you have a payment arrangement for. Even with bad credit these things can make it much easier or harder to buy a car.

Should a consumer bring any documentation with them before they walk into the car dealership?

Yes. Always bring your most recent 2 pay stubs, any award letters or your last 3 months bank statements if you don’t have the other two. You also need to prove where you live, a utility bill or phone bill works. And most dealerships need references any more, usually 3-10.

If you’re divorced and as a result of that divorce have bad credit, what tips would you offer the consumer on how to obtain a loan?

It doesn’t really matter how you attack it, contract law supersedes divorce law. So no matter the credit situation resulting from a divorce your in the same boat.

What are some common buy here pay here misconceptions the public should be aware of?

There are quite a few, the main thing to realize is that every car dealership is different. One might have high mileage, older cars, one might have exotics. Since buy-here-pay-here’s rules and polices are set by the individual owner, every dealer is completely different. I suggest consumers shop around until they find a fit for them.

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This is our thirty second interview in our “1000 Interview Challenge” If your interested in an interview, please contact me.

This interview was conducted by Shane McC. Shane currently is attending RISD studying computer programming. He enjoys traveling and plays hockey. He played for the Boston Junior Bruins of the EJHL during the 01-02 season. You can follow him on Google+