All posts by jon

Can I Get an Auto Loan if I’m Going Through Chapter 7 or Chapter 13 Bankruptcy?

Yes, it is possible! Guidance is key, and Easterns Automotive is here to help. If you are a Virginia or Maryland resident that has recently filed for bankruptcy, it is important to know that you have auto loan options. You may be able to purchase a newer car with a lower payment before your bankruptcy discharge. Plus, you will have the opportunity to add a factory or extended warranty that may help you avoid unforeseen repair expenses that could derail your budget.

The best way to financially recover from bankruptcy is to rebuild good credit. This can be difficult if you can’t find a lender to approve you for loans. At Easterns Automotive, we’re committed to helping Washington, DC and Baltimore residents get the vehicles they need even during or after bankruptcy.

How Do I Get a Car Loan When Filing for A Bankruptcy?

Many bankruptcy car buyers find it beneficial to get a new auto loan prior to discharge instead of reaffirming their existing car loan. Bankruptcy laws allow you to walk away from your current loan and replace it with a newer one, which is why you should initiate your new car loan sooner rather than later.

You may be thinking that there are no lenders that will approve you for financing after filing for bankruptcy. This isn’t the case! At Easterns Automotive, we work with dozens of lenders to increase the chance we can find a great auto loan for car buyers who have credit problems. Working with this many lenders, allows us to give our car shopping customers options on rates and terms. You may find you qualify for more auto loans than you realize!

When working with our team at Easterns, bankruptcy filers will have the opportunity to participate in our Fresh Start Vehicle Loan Program. Some of the features of this special bankruptcy auto loan program include:

  • Financing for up to $40,000
  • Requires little to no money down
  • Available to people with open or recently discharged bankruptcies
  • Eliminate negative equity and allows you to re-establish your credit
  • No minimum credit score required
  • A true fresh start!

What Does “Your Job Is Your Credit” Mean?

Credit problems happen for all kinds of reasons, and we understand that going through bankruptcy or having less-than-perfect credit doesn’t mean you aren’t a responsible person. That’s why we look at other factors, including your job history, when determining your loan eligibility.

Will Getting a Car Loan Hurt or Help My Credit Score After Bankruptcy?

Qualifying for an auto loan will affect you in two primary ways. Lenders will perform what are known as “hard inquiries” with the three credit bureaus to check your credit risk and determine your loan eligibility. A single hard inquiry won’t have much effect on your credit score, but multiple hard inquiries in fast succession can have a negative impact on your credit score.  

Any damage done by a hard inquiry is more than made up for by the benefits of making payments on time. The best way to build your credit score is qualifying for financing and then making payment on time and in full.

If you want to begin rebuilding your credit score after bankruptcy, paying your debts on time is a great way to do it. Unfortunately, this path to credit repair is difficult when no lenders will give you credit due to your bankruptcy. At Easterns Automotive, we pledge to look past your bankruptcy and find a workable lending solution for your situation.

We Can Help You Get a Car Loan After Filing for or Discharging Bankruptcy

At Easterns Automotive, the Baltimore and Washington, DC dealership where your job is your credit, you can expect to get friendly, low-pressure assistance with your auto loan and car purchase. Call us at 877-867-0641 or visit a location near you to learn more.

Helping Hands: Undies For Everyone

As of today, more than 5,000 students in Washington, DC are homeless or living in poverty, according to Partners for Kids in Care.

The non-profit organization, Undies for Everyone, provides new underwear to children and is expanding in the area. Thousands of pairs of underwear will be distributed to thousands of children in the D.C area.

“They love being able to get it, and we love giving it to them with designs on it,” said Amy Weiss, CEO of Undies for Everyone.

Weiss’ nonprofit organization, Undies for Everyone, which has expanded across 16 cities in the United States, has donated millions of pairs of underwear. Weiss says the basic need for underwear is overlooked.

Joel Bassam with Easterns Automotive Group wanted to help students in the district by giving Undies for Everyone a helping hand.
“Undies for Everyone is an amazing organization supporting over 100,000 kids across the United States and 5,000 kids so far in the Washington D.C., market. We want to help get that number up and support more kids in our market by donating $2,000 to your cause so you can continue helping kids that are most in need and supporting their self-esteem.”

Weiss was filled with joy and expressed how this would help so many children in the D.C. area. Undies for Everyone also encourages companies to get involved by helping to pack and donate pairs in their community.

Pay It Forward: First Baptist Church of Highland Park

Last month during senior week we celebrated seniors during our Pay It forward special with Fox 5 DC. 

We were able to surprise the sensational seniors of First Baptist Church of Highland Park. In their senior ministry, they work to have food drives, weekly grocery distribution, vaccination clinics, and even blood drives. Their goal is to keep people engaged, connected, and feeling a sense of they can be brought through hard situations. 

Thankful for all of the great work they are doing in the community we gave them goody bags with everyday items to make their life easier!

If you know someone who should be featured on Pay It Forward, you can nominate them here. In your email, be sure to include who they are and why they deserve to be recognized.

Pay It Forward: Senior Line Dancing at Turkey Thicket Recreation Center

The Pay it Forward crew had the opportunity to visit the Senior Line Dancing Group in Northeast DC for Senior week at the Turkey Thicket Recreation Center. The line dancing teachers have been instructing within the community since 2012 and say it helps to keep them young and is a great sense of community and camaraderie.

We wanted to surprise the members of the Senior Line Dancing Group with a special goodie bag to show our appreciation for what they are doing in the community. The goodie bags include everyday goods to make life easier as well as treats from Madison Square Bakery.

Pay It Forward: Upcounty HUB

Upcounty Hub is a program that provides resources for our senior citizens and families in Montogomery County. Maureen Umeh met with the coordinator, Grace Rivera-Oven, to learn more about what they are doing.

Upcounty Hub started during the pandemic 2 years ago when they began feeding 23 families and they are now feeding about 1300 families a week. They are focused on making sure senior citizens get everything they need because so many spend time home alone.

The volunteers have the heart to serve others and spend a lot of their time handing out food and everyday needs. Easterns Automotive Group wanted to pay it forward with a special surprise. We surprised them with gift bags to everyone within the program.

Pay It Forward: Bold, Brilliant, Beautiful

Teenagers can face many challenges, and for young girls struggling with body image and lacking confidence or support, it can be especially difficult. An organization in Bowie is looking to change that, inspiring young ladies to be bold, brilliant, and beautiful.

Dr. Jacqueline Marshall has been in education for over 20 years and is the founder of the Bold, Brilliant, Beautiful Girls Youth Empowerment group that she started in 2019. She saw the need to help young women find their voice and feel empowered.

Parents like Monica Freeman, who has two daughters apart of the group, noticed the positive changes that have taken place with the help of Bold, Brilliant, Beautiful. Aaliyah Waterman is a program graduate now in college who loved her experience learning about financial literacy, finding her voice, gaining confidence, and even helping within the community. 

Easterns Automotive Group wanted to pay it forward as well by giving them a $2,000 donation. Joel Bassam joined with a special message. “We want to support your cause of empowering the young women of that community by preparing them for college, gaining financial literacy, and helping them with body acceptance by donating $2,000 to your programs to continue to support the young ladies of that community.”

 If you want to learn more about this organization or to get involved, please visit www.bbbyeg.org

Helping Hands: Sarah’s Circle

As soon as the lowest-income seniors in Washington get the call that they can move to Sarah’s Circle, they know it will change their lives. Most of the people who come to Sarah’s Circle come from unfortunate and unsafe places.

“We’ve been homeless. Where we were living was very dangerous. Sometimes you step outside, and you were afraid. Now I step outside I’m not afraid any more. Thank God,” said D.C. resident Joe Boomer.

Sarah’s Circle provides affordable housing for low-income seniors in one of the most expensive neighborhoods in Washington, D.C. The renovated building allows seniors to thrive independently, and to help prevent food insecurity, the organization also offers hot meals to the community and more.

According to Sarah’s Circle Executive Director Jessica Petro, the organization plans to expand to other neighborhoods since waiting lists are hundreds and hundreds deep.

Easterns Automotive Group saw Sarah’s Circle Story as part of 7News On Your Side’s Helping Hands initiative last year, and they were moved by the organization’s mission. They were surprised with this message from Joel Bassam at Easterns Automotive Group.

“What is there not to say about Sarah’s Circle? You guys support low-income seniors in every way imaginable. Housing, nutrition, health, and exercise, it’s simply incredible. We want to support your mission to help those in need by donating $2,000 to your cause. Continue doing the amazing work you’re doing,” Bassam said.

Petro and the residents at Sarah’s Circle were blown away by the generosity and are looking forward to how the money will enrich the good work being done there.

Helping Hands: AMG Fitness

In Arlington, Va., a two-time Paralympic swimmer helps people with disabilities enhance and maintain their fitness by sharing her talents and knowledge. 

Gialamas founded AMG Fitness to provide online adaptive workouts for people with disabilities. She has arthrogryposis, which affects joint mobility in her hands and legs. She walks with assistance from braces that help support her.

“I went to London and Rio (Paralympic Games),” Gialamas said. “I swam Division One at Loyola University (Maryland). I’m from Chicago, and I started swimming at three. I retired from swimming at the age of 24. After London and Rio, I found myself in a position where COVID hit, and everything was going online. But no adaptive resources were hitting online, and I wanted to create a solution.” 

Following her swimming career, Gialamas realized there wasn’t a commonplace for people with disabilities to seek out exercise information. “That weird time in quarantine when everything went online and everyone was posting workouts in their living rooms,” she said. “As someone with a disability, I was like, there has to be something out there that has to be people doing this, and I didn’t find a lot of what AMG is for varying disabilities.”

For example, there are workout videos online for people in wheelchairs, but not necessarily for people like Gialamas with limited mobility issues.

“I really wanted to create a place for people to not only be athletes and feel really good in their bodies,” she said. “But also not be athletes and just feel really great in their fitness spaces.”

Gialamas’ exercise videos incorporate a lot of bodyweight exercises. For example, stationary jumping jacks, forward punches, and others involve lightweight dumbbells. “It’s all adaptive workouts, all free, and it’s all at home,” Gialamas said. “I don’t want people to have to pay for any of the workouts, so I rely on donations and strategic partnerships to keep AMG free.” Gialamas’ videos don’t coach a class; they offer instructions for exercises you can perform at home compared to other videos you might find on the internet.

Her dedication to helping others inspired Easterns Automotive Group.

“Hi, this is Joel Bassam at Easterns Automotive Group. I was amazed to learn about the AMG Fitness Foundation and Alyssa the way that you have turned your passion for fitness into a way to help others with adaptive workouts. It’s something that I think should be admired, and you are an inspiration to athletes all over the United States. We want to support this cause and increase your community size by donating $2,000 to the AMG Fitness Foundation so you can continue to share those workouts and keep everyone in shape. Keep doing the amazing work that you are doing.”

Gialamas was so pleasantly surprised by the generous donation from Easterns Automotive and was eager to start using it to help people in her community and far beyond.

“I am so shocked,” Gialamas said. “This will help so many people. There are so many fitness kits we can do with this money and the incredible things. I cannot believe the support I have got. Thank you so much.”

Helping Hands: Mended Little Hearts

A local organization works tirelessly to support families who received the diagnosis or have children who are receiving treatment in local hospitals. Both Maryann Mayhood and Laura Tierney have experienced firsthand what it’s like to have a child with a heart condition. Mayhood’s son Joseph was born with Transposition of the Great Arteries (TGA), and Tierney’s son Lincoln was born with Tetralogy of Fallot with Pulmonary Atresia.

They call themselves heart moms and take pride in Mended Little Hearts (MLH), a nonprofit organization that helps families navigate life with child heart disease. Mayhood continued, “We stick together because no one else knows what you’re going through like a heart mom.”

Mended Little Hearts is helping families by providing resources, tools, and support. They transitioned from in-person visits to dropping off lunches and bravery bags during the pandemic. They partnered with Lost Dog Cafe, which helps to provide lunches to children and their families at children’s hospitals.

“To be able to have these lunches and have real food,” Tierney laughed. “No offense to the hospitals but it gets old, it really does.”

Joel Bassam with Easterns Automotive Group loves the organization’s work in the community.

“Our hearts were touched by the Mended Little Hearts program. This volunteer-led initiative is absolutely incredible. We want to support the bravery bags initiative by donating $2,000, so you can keep supporting these kids,” Bassam said.

“That helps so much. Thank you, Easterns!” Mayhood said in tears. “That goes so far. That’s what you get in a year, so that’s really big.”

The donation will allow Mended Little Hearts to continue feeding patients and their families.

The Give: Gallaudet University & Curtis Pride

Curtis Pride has played professional baseball for over 23 years, including 11 years in the major leagues with six different teams.

As a deaf baseball player, his biggest challenge was communicating with his teammates and coaches on the field. After he retired from playing professional baseball, the athletic director for Gallaudet University approached him with an exciting opportunity.

Gallaudet University is the world’s only university in which all programs and services are designed to accommodate deaf and hard-of-hearing students.

Curtis Pride took over Gallaudet University’s vacant head baseball coaching job to help deaf and hard of hearing athletes pursue their dreams. With help from partners like Eastern Automotive, Pride helped build a winning program.

We are honored that we could help Pride build a winning program. For the first time in five years, Gallaudet had their first winning season where they won 25 games, beat four top 20 teams in the country, and succeeded in their division.