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1st Choice Family Solutions Selling Services of Platinum Auto Auditors

A tipster (send in your tips here) sent in an email they received from 1st Choice Family Solutions regarding their auto loan audit / car modification program. According to the video on the linked site below the service costs $599.

The promotional video makes it appear there is a clear relationship between 1st Choice Family Solutions and Platinum Auto Auditors. A company I can’t find a website for or much information about at all.

I’d love to see some numbers on how many people use this service and are:

  • Getting The Money Back: Receiving all money (down payment and monthly payments), and returning the vehicle.
  • Keeping the Car, Free and Clear: Keeping the vehicle and receiving the clear title, with no further payments or debt.
  • Walking Away Clean: Walking away from the financing entirely, without any negative credit ramifications.

1st Choice Family Solutions Selling Services of Platinum Auto Auditors
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The Alleged Email

Subject line- 85% of Car loans Have Violations. Here’s what to do

Car Mods – Audit Services – Program Summary

WHY GET AN AUDIT?
Federal and State compliance laws may have been broken during the process of your vehicle purchase and loan funding. Violations found during the compliance audit of these finance documents may prevent repossession and entitle them to a refund or modification.

Auto Lending Violations May Include:

Misrepresentation or fraud – Such as: inflated values, negative equity, packing, rewritten contracts, hold check agreements, language issues, forgery, falsifying values, falsifying income, single document rule, and misrepresented certified vehicles.

Overpriced and underused add-on products – Misrepresenting add-on products. The dealer may have told you that GAP insurance, vehicle service contracts, credit life and disability insurance, and theft deterrent packages may affect the interest rate; that purchasing these things will lower their rate or payment.

Spot Delivery/Rewritten Contracts – After you drive the vehicle home, the dealer claims to be unable to find a lender to fund the loan. Then, they are required to return the vehicle and renegotiate; sometimes, without the option of getting all of their down payment, and/or trade-in, back.

Binding Mandatory Arbitration Clauses – Arbitration clauses that waive the right to sue and appeal in court, leaving an arbitration system that is potentially more expensive and biased towards the dealer.

Violation of Federal and State laws governing vehicle lending practices.

Violation of Federal and State laws governing the sales process and proper disclosure.

The Benefits of an Audit May Include:

GETTING THE MONEY BACK
Receiving all money (down payment and monthly payments), and returning the vehicle.

KEEPING THE CAR, FREE AND CLEAR
Keeping the vehicle and receiving the clear title, with no further payments or debt.

WALKING AWAY CLEAN
Walking away from the financing entirely, without any negative credit ramifications.

MODIFIED LOAN PAYMENTS
Payment reduction or modification of the loan terms.

STOPPING REPOSSESSION
Prevention of the vehicle being repossessed.

HOW LONG WILL IT TAKE?
It will take, on average, 30 to 45 days for the audit process. The auditor will then recommend attorney litigation or standard negotiations. We then, notify the client of the next step to take.

Fees $599 with a full money back guarantee! If we don’t find violations we return your money. No Questions Asked!

Click here to watch our short video presentation and to download the paperwork.
http://www.1stchoicefamily.com/4DAction/Web_NavWizard?prodname=CMOD&pgname=YaronKimelman

[quicktime]http://getoutofdebt.org/wp-content/uploads/CarModsTour.mov[/quicktime]

Wouldn’t it be nice to have some peace of mind regarding your car loan? You never know. You may even be a candidate for Free&Clear ownership of your car.

Best Regards,

Yaron Kimelman
Regional Vice President
1st choice family solutions
www.firstchoicefamilysolutions.com
www.firstchoicefamily.info

1st Choice Family Solutions Selling Services of Platinum Auto Auditors

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1st Choice Family Solutions Selling Services of Platinum Auto Auditors by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Gerry

    Interesting comment Jason. I asked what has been done about this situation and how the FTC responded and you are more worried about what I had to say than what the answer to my questions are.

    I want to know. Is there anything to really be worried about with this company or is this just a lot of hot air? I see so many “expert” sites and blogs that blast companies that I like to cut to the chase and find out if they really act upon their beliefs or just talk about it a lot.

    So again, did anyone find out if this company, First Choice, is indeed a bad apple?

  • Jason

    Sounds like someone is getting worried…

  • Gerry

    If you are so concerned about this company may I ask when you contacted the FTC regarding their claims? Did they say they are investigating? Did you ask them to investigate?

  • Gerry

    If you are so concerned about this company may I ask when you contacted the FTC regarding their claims? Did they say they are investigating? Did you ask them to investigate?

    • Jason

      Sounds like someone is getting worried…

      • Gerry

        Interesting comment Jason. I asked what has been done about this situation and how the FTC responded and you are more worried about what I had to say than what the answer to my questions are.

        I want to know. Is there anything to really be worried about with this company or is this just a lot of hot air? I see so many “expert” sites and blogs that blast companies that I like to cut to the chase and find out if they really act upon their beliefs or just talk about it a lot.

        So again, did anyone find out if this company, First Choice, is indeed a bad apple?

  • Jason

    I doubt the owner is going to answer your questions above. Good questions for the FTC though.

  • Jason

    I doubt the owner is going to answer your questions above. Good questions for the FTC though.

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