I am definitely not a hypochondriac.  In fact, if it was up to me, I’d almost never go to the doctor. But my brother died of colon cancer at age 43, so I’m told to have colonoscopies every three or four years.

 I’m 55 now and had my last one in 2003.  They found six polyps in that one.  That was during the good old days of working in a job with medical insurance. But I changed jobs after a layoff, and my new employer doesn’t provide that benefit.  I’m part of the 45 million people who just hope that nothing happens.  At my age and with my history, a policy that would cost $200 a month carries a $5000 deductible, and the colonoscopy would cost at least $2600.

Several financial challenges have already come my way in the last two years.  So I have bad credit and no cushion.

I woke up in the middle of the night one night after a dream about my brother.  I went online, searching for medical information, then looking at the costs, then looking for fast cash.  I knew this was bugging me and I had to get the colonoscopy done.  That’s when I realized my truck could be the ticket.  It’s value was $4000 at Atlanta Car Title Loans, which was more than I even needed.  So I used their online application, which took 20 minutes. I was approved in an hour, then called my doctor.  The money landed in my bank account the next day.  

Good news: no polyps.  I realized how stressed I had been after that.   Despite the economy, I’m looking for a better job with benefits again.  Title car loans in these circumstances are a good in-between strategy.

- Dantrell F.

My father insisted I study accounting in college.  He said I’d always find work.  He didn’t know it could eventually be outsourced overseas.

Which is exactly what happened in my last job. I had become a specialist in one area of cost analysis.  And I really hated it.  Really really did not enjoy my job. And really wasn’t interested in anything else in the field.  For months I went on interviews, but my lack of interest probably was obvious.

And it’s not like I had some big nest egg to fall back on.  I got behind on rent – OK, so Buckhead is expensive – and credit card bills, and still couldn’t go back to something I didn’t like in the first place. I came to terms with the idea of retraining for a different career.  

But because my bills got ahead of me, I got lumped into the bad credit column. And with bad credit, where would I get money for classes?  

So I took a long hard look at my car. Not that I was going to resell it.  But it was an asset with value — value I could leverage.  So, my need for fast cash translated into a car title loan. I filled out an online application with Atlanta Car Title Loans.  It’s nothing like going to a car title loans store downtown.

The funds transferred in hours, and I was signed up for classes in a day.  I don’t miss my old job and career, but I’m glad I have the skills to assess value.  The bank car title loans solution to my cash flow problem was the smartest move I could make.

- Quentin R.

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.

My Falcons are finally ripping up the NFL like I told everyone they would. We’ve got our QB in Matt Ryan, and a real bulldozer in Michael Turner. Season tickets are getting harder to come by, but I finally had the chance to get a pair exactly where I wanted them, but I was a little short on cash.

The guy I was buying them from gave me only 24 hours to come up with the balance, and I wasn’t sure where to turn. The bank wasn’t an option, and I already drained my savings to come up with most of the money. Seeing how the only thing I owned was my truck, I did an online search for a truck title loan.

When I went to the Atlanta Car Title Loan site, the online application takes two minutes to fill out. I was able to get a call back right away to get my questions answered, and the call sets you up with the location closest to your house. Within 30 minutes I had the money I needed to pay off the balance on my front row seats!

Thank you Atlanta Car Title Loans for helping a dream of mine become a reality.

-Russ S.
Kennesaw, GA

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.

My girlfriend and I were having a blast. We were able to afford a nice apartment in a great part of Buckhead area of Atlanta. Cindy and I wanted us to move to Georgia to get away from the cold weather in Chicago, and really enjoy how nice the people were in Atlanta when we visited. We both looked at our move as the start of our lives together. Everything was going according to plan, until one day Cindy was died while having her appendix removed.

I was devastated. While I was working, I certainly couldn’t afford to pay for our apartment everything else with my job alone, and while trying to go to school and work at the same time, I was ready to lose my mind.

There wasn’t more than $200 in my savings, as I spent everything I could to make the move up here. On top of that my credit wasn’t all that great.

My only possession was my Durango, so I needed to find a truck title loan. Atlanta Car Title Loans came through for me in a big way, and without their help I would have been in real trouble. They more than answered all my questions, and gave me a loan of $6,000 to cover the apartment and put some cash in my pocket so that I could pay my other bills and get my life back squared away. Nothing is going to bring back wonderful Cindy, but Atlanta Car Title Loans really was sent from above.

-Mike M.
Atlanta, Ga.

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.)