Car Loan Approved!
​Work with the team that can make it happen!

Whether you've just filed bankruptcy, are in the middle or at the end of your bankruptcy, our team is here to help.

Call Us Today at: (602) 325-3206

Courtesy Volvos Bankruptcy Team works with all types of credit, open, closed or dismissed bankruptcy, foreclosures, first time buyer and even if you have had a repossession. We have a dedicated team ready to help you secure your next car loan.  ​

Why work with our team?
Advantages to working with the Bankruptcy Team at Courtesy Volvo of Scottsdale
  • Large selection of new and pre-owned vehicles
  • Competitive interest rates
  • A program that will lower your rate up to 2% a year
  • Loan options that require little to no money out of pocket
  • No payments for up to 45 days
  • Long standing history with local financial institutions

If we don't have the vehicle you want, we can get it
Only at Courtesy Volvo do we have our concierge auto buyer. If we cannot access the right vehicle, we can work to source the vehicle that will work for you and your approval, post your bankruptcy. Never has a team offered so much choice!

What to expect?
What to expect when working with the bankruptcy team of Courtesy Volvo of Scottsdale:
You will have an opportunity to work with a knowledgeable and professional team member, one that has gone through an extensive training program. Courtesy Volvo of Scottsdale is family owned, our number one goal is to insure that our customers feel like family. We have one of the largest inventory of new and pre-owned vehicles available in the state. Courtesy Volvo's finance department has a great relationship with many financial institutions ensuring that you will get the best car loan available to you. 

In addition, our Courtesy Auto Group has access to all makes and models. So don't be constrained with what is on the lot, we can access over 1,000 cars, trucks, SUVs and vans.  So don't just think it as Volvos, Chevrolets, Dodges, Jeeps, Rams and Chryslers that we can sell. We can access all makes and models!

Our Team

Misty Gunter-Gonzalez
Bankruptcy Finance Manager

Mike Cerrata

We are here for you, post your bankruptcy.
This team and our managers live and breath the Courtesy Way. We focus on our staff to ensure they in turn focus on you the customer, who in turn rewards our company with loyalty. So put us to the test, this team will work hard for you to achieve your goals, post your bankruptcy, and work hard to get you the best possible loan and vehicle to meet your needs.
Frequently Asked Questions
The Bankruptcy Team of Courtesy Volvo of Scottsdale understand that bankruptcy can be overwhelming. Here are some FAQs:

Q- I have an open bankruptcy. Can I get approved for a loan?
A- Absolutely! You do not need to be discharged. Some lenders may require you to have had you meeting of creditors, which is your 341 meeting. The bankruptcy team at Courtesy Volvo of Scottsdale is prepared to help you secure your car loan at any stage of your bankruptcy.   

Q- Do I need to reaffirm my current auto loan?
A- No need to reaffirm your car loan. Now is the time start re-establishing your credit. In most cases, your current car loan will no longer report to the credit bureau and most likely you are   upside-down in your current loan. Meaning you owe more than the current value of your vehicle. Reaffirm your current car loan will only delay the process of re-establishing your credit.
Q- What amount could I get pre-approved for?
A- Lenders base your pre approval on many different factors. They generally look at your gross income - that's income before taxes are taken out. Lenders also look at ability and stability to pay the car loan - meaning job time and any prior paid auto loans are all factored into your approval. Please keep in mind, most lenders usually do not approve for more than a current or previously paid auto loan amount.

Q- If my bankruptcy discharged will I get a better interest rate?
The bankruptcy team at courtesy Volvo of Scottsdale has a long standing relationship with local financial institutions offering competitive rates for both open and discharged bankruptcy.  However, the sooner you purchase a vehicle, the sooner you are on your way to re-establishing your credit.

Q- I filed a Chapter 13, can I get approved?
A- The bankruptcy team at Courtesy Volvo of Scottsdale, will work closely with you and your attorney to help you get an approval from your trustee allowing us to move forward in securing your next car loan.

Q- I filed bankruptcy, do I need a down payment?
A- That all depends on your personal situation, The bankruptcy team at Courtesy Volvo of Scottsdale works with lenders that will approve you with little or no money out of pocket. However please keep in mind that most lenders do like to see a financial commitment.

Q- I had a repossession after my bankruptcy, can I still get approved?
A-The bankruptcy team at Courtesy Volvo of Scottsdale works with many lenders that are willing to give you a second chance on new or pre-owned vehicle.

Q- I have a dismissed Bankruptcy, can I still get approved?
A- The Bankruptcy team at Courtesy Volvo of Scottsdale can help. In recent years, lenders have changed their programs to allow customers with a dismissed bankruptcy to get approved for an auto loan.  

​Q- Will I need a cosigner to buy a car?
A- Depends on your situation. In most cases, you do not need a cosigner. Keep in mind that some lenders require that each applicant qualify on their own - meaning that each applicant needs to be able to pay for the loan based on their own income.

Q- I filed for bankruptcy and I am first time buyer, can I get car loan?
A- Yes, there are many programs available to first time buyers. The lender usually looks at a few things, like ability and stability to pay the loan. Being a first time buyer, the lender may base your loan on job time and gross income.

Contact Our Bankruptcy Team Today
Please call us any time. We are here to help you get the
vehicle you are looking for, post your bankruptcy.
(602) 325-3206

Our Goal
We want you to be happy with your purchase experience. Our focus is your experience and your continued business. We are not here for the one time approach - we want to establish relationships with our customers and help them and their growing families. In fact, many times, you will see three generations of Courtesy customers visiting us, and recalling how their grandfather took delivery of their first truck from the showroom. That was how they did it back in the day.