I think this is a story about taking responsibility for the challenges life throws at you.  Maybe that, and thinking creatively as a means of being responsible.  

I recently used an auto title lender to cover a medical expense.  If someone told me two years ago that’s what I would be doing, I would have laughed. But our circumstances were different then.

It started when my husband was diagnosed with a serious illness in January. He’s doing better now and the prognosis is good.  He’s a stay-at-home dad, so it was a difficult time for all of us, our three children included.  

I have a good job but my company’s health insurance program has been changing lately.  My co-workers and I have had to pay much higher premiums the past several years – part of the healthcare crisis we read about all the time in the press. We get reduced benefits and bigger deductibles.  Costs to our family rose in two years by more than $400 per month, and that was when we were healthy.    

When Gary got sick, our out-of-pocket costs for the treatment were $2800. We also had just bought a house in 2005, but saw its value drop by 35% in three years while neighbors all around are going into foreclosure.  I looked into a home equity loan, but the bank said no.   So this whole thing hit when we realized we have “bad credit” – which is what happens when you miss a few bills and find yourself overleveraged. It was starting to look like we might have to sell our house in the Five Points area in Atlanta, near Georgia State University, which would be terrible in this market.  

My car is essential to my job.  We considered selling our second car, but that’s nearly impossible with children.  It was a situation of establishing priorities, plain and simple. 

Instead, we turned that car into fast cash.  Once I made the decision it was simple. I went to Atlanta Car Title Loans.   Fortunately, we didn’t have to go to a storefront operation in some dangerous neighborhood.  You apply through an online application that takes no more than 20 minutes to complete.  The money is in your checking account the next morning.  It’s a loan against title method I’ll use again if I have to.  

- Hillary I.

You gotta take a zen attitude when it comes to money problems.  That’s what I discovered in using Atlanta Car Title Loans, and it definitely put my mind at peace. 

I live and worked (past tense) in Mountain View, near Hartsfield.  But I had a car accident, then I lost my job.  Breathe deep, I said, better times are coming.  And I did find a new job – 28 miles up north in Decatur.  To do that kind of commuting along 285, I had to fix that car.

Note the job didn’t come for six months, so my credit was whack.  Yeah, that took a lot of deep breathing and yoga classes.  And this hit just when gas prices were in the high 3 dollar range. Now I’m a survivor, but I wasn’t sure the car would hold up under all that driving without getting fixed (and who wants to deal with the expense and hassle of towing if the car breaks down some morning along the 880).  

It was time to face facts.  Because I was out of work so long I had bad credit and nothing left on the cards.  Which was a real mind bender because I had been pretty good about keeping my credit clean for years.  

But my inner karma told me the problem was the solution.  I turned to Atlanta Car Title Loans.  I was leery of no credit check car title loans, but in this situation it made sense. My six year old car still had a good book value. I used that to cover the car repairs. It also enabled the car to operate more efficiently, giving me better gas mileage overall.  Ah, zen.

Another thing about it was I didn’t have to go to a scary storefront operation to get the $1100. I just filled out an online application from my home PC.  Sign on, answer questions, click and send – done in about 15 minutes. I got fast cash to pay the mechanic the very next day.  Through instant car title loans, you can manage a car problem with a car title – and get back to the zen of work, even if it is through Atlanta traffic.

A few years ago my wife and I faced a decision: buy a house or buy a truck. House prices in the Atlanta area were sky high then, so we got a Sierra 1500 full-size GMC truck instead.  Her parents said we were crazy, but I think the way things turned out we did the smart thing.

House values have fallen, but that truck is now how I earn a living.  I used it to drive to work, but about a year ago I lost my job and started looking outside the area for whatever work I could find.  Turned out there was great work in disaster recovery for guys like me with smaller sized vehicles because we can maneuver where big trucks can’t go.  The problem was you don’t get paid like a regular job – you’re a subcontractor, and often the work involves insurance payments (like with hurricane or wildfire recovery operations).

We had bad credit because of a health care problem in the family a few years ago.  Everyone’s ok now, but it drove up our bills and wrecked our credit rating.  So I had to look at the net pay in the end, then figure out a way to get to it.

So I went to Atlanta Car Title Loans, where I got a cash advance against the title on my truck.  Which was perfect: the vehicle that got me the work also got me the loan to cover bills in the lag time.  They have a simple online application, the money comes by the next day – its the loan with car title that kept us afloat until the good money started rolling in.  (We’ve gently pointed this out to my wife’s parents, who now agree with us.)