MasConcepts Incorporated

Yall. My heart is so happy. I just discharged my chapter 7 maybe 3 weeks ago on 6/26. I didn’t reaffirm my mortgage or my car payment but intend to keep paying for my mortgage. The car was killing me financially but I didn’t have any other choice. It was $930 a month at a 13% interest, so after my discharge I was going to wait a few months to get a new car and let that one go since it’s not on my credit anymore. I didn’t think it be possible for at least 6 months and like 10k down to get a new car for a cheap price. I decided to just see the carvana preapprovals and capital one and see what was out there last week. I noticed I was getting a lot of 0 down offers. So I went up to Toyota on Saturday and I got a brand new 2026 Toyota hatchback XSE for 8.94% interest, and MY CHOICE for a 2K downpayment. My payment is only $562 (including gap, 9 years free oil changes, and 100k warranty powertrain and bumper to bumper) I never in my life would’ve thought I would get that good of an interest rate 2 weeks after a bankruptcy discharge, and let alone this payment. And no POI!! FILE THE BANKRUPTCY!!!!! I am debt free with a 600 credit score and rising, after YEARS of a 400 score and 60k in credit card debt!! I will never let myself fall short again and will be busting my ass to raise my score and have low debt to income. ❤️